Credit Cards

[720ismygoal]

hello all,

I've had my walmart card for over a year now(13 months) and last month i was given an auto cli of $1000(from $900), so my cl is now $1900! i love it! my question is when do you all think i might get the offer to upgrade to discover? are there any trends i should look our for? is there any specific time frame i should expect an upgrade? i have used the walmart card heavy and sometimes PIF and sometimes just the minimum payment. Right is the UTI is at about 20%.

Thanks peeps!

[Cadillac-XTS]

From the threads I have read on here it takes atleast 24 months if not longer.

[lithium78]

It took me about two and a half years to get the upgrade to WM Discover, but I started from really low scores.  They seem to send out the upgrades around the holidays every year.

[wallyworld123]

congrats on your increase! I have had my walmart card since october 2009 and recieved a letter for the walmart discover upgrade last month. Yes 3 years for my upgrade but ymmv.

[bradpitt]

From what I have seen its based on time and credit score.

The higher you can get your credit score the faster you will be approved.

[JonStur]

Most people that get offered the WM are generally those that can qualify for a regular Discover. Are you signed up for the free credit score? If not do so. As for the time, on average it seems like @ 24 mos. or so. I was offered mine after a little over a year but I qualified for the WM but opted for the store version. Some people never seem to get offered. It seems like high use and a good score are what gets you noticed...

[Chaos122]

Got the upgrade offer after 20 months, nearly two years.  My TU fico hit 704 before right before they upgraded it

[creditnocash]

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lithium78 wrote:

It took me about two and a half years to get the upgrade to WM Discover, but I started from really low scores.  They seem to send out the upgrades around the holidays every year.

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hope so. 

even though the card will be around 5 months. my walmart fico has never been below 720. and my fico's here are high 690's borderline low 700's

i was shocked when i only got the store card but it started me at 800. now it at 3k with a cli(that i asked for) last month.

im not too worried about getting discover soon since i have my chase freedom and my bank card. and this jan will be apping for costco true earnings. if i get that ill have more then enough credit to work with until all my inq fall off completely. 

[youngandcreditwrthy]

Weird...got my Wmt store w a 640 fico.

Got the upgrade after 24 mos with a 670-680'ish tu fico.

Got a $5k line :-) score!!!!

[youngandcreditwrthy]

I think they also look at what current experience you have with other all purpose bankcards (mc, visa, disc, amex) :-)