Reply
Valued Member
Suthrncomfrt1884
Posts: 45
Registered: ‎06-21-2013
0

Will walmart upgrade to discover?

I was just approved for a Walmart Store CC, but would like it to be the discover card. Is there a recon number that can help me accomplish this? Will it work? If not, how lo before they auto upgrade?
Moderator
09Lexie
Posts: 26,335
Registered: ‎09-13-2012
0

Re: Will walmart upgrade to discover?

The upgrade to Discover is by invitation only. You can certainly try and reapply but if you weren't approved now I'd wait until your cr profile improves.
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Will walmart upgrade to discover?

Not sure if you can recon it...if you were going to be approved for the disco version thy would have given it to you...they try to qualify you for that first and then the store card. Others here have had their store card upgraded auto but it takes some time...maybe a year or so. Ymmv


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Community Leader
Super Contributor
ArmyVietVet
Posts: 5,460
Registered: ‎10-03-2008
0

Re: Will walmart upgrade to discover?

Had the same question and applied but was denied for the Walmart Discover.


Starting Score: 760
Current Score: 810
Goal Score: 850


Take the myFICO Fitness Challenge

Take the myFICO Fitness Challenge
Valued Contributor
maiden_girl
Posts: 2,108
Registered: ‎12-29-2011
0

Re: Will walmart upgrade to discover?

Walmart credit is just like any other store that offers network cards. When you apply, they will try for the Network card (Discover, VISA, etc.) but if you don't have the credit tier for that card, they will try to approve you for the store card. And they are eligible for upgrades after about a year of use :smileyhappy: At least you get your free monthly FICO when you sign up for online statements!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Member
Suthrncomfrt1884
Posts: 45
Registered: ‎06-21-2013
0

Re: Will walmart upgrade to discover?

This was the only reason I applied.  I wanted the free Fico score.  I'm wanting a mortgage next spring, so I wasn't going to apply for more cards to get my INQ down, but I decided to go for this just to see my scores.  Does anyone know what TU score they use?  Is it the 98 like myfico uses or is it the new score?  My TU here is 669, but I was told by another lender it's actually 588.  I've had some baddies fall off since then though, so it should be much higher now.  

Moderator
09Lexie
Posts: 26,335
Registered: ‎09-13-2012
0

Re: Will walmart upgrade to discover?

Established Contributor
missjae
Posts: 522
Registered: ‎07-18-2013
0

Re: Will walmart upgrade to discover?


Suthrncomfrt1884 wrote:
I was just approved for a Walmart Store CC, but would like it to be the discover card. Is there a recon number that can help me accomplish this? Will it work? If not, how lo before they auto upgrade?

I tried a recon once with the Sam's Club/Sam's Discover and it was an absolute fail.  As others have mentioned, you can wait for an upgrade or once your CR changed for the better.

Established Contributor
JonStur
Posts: 905
Registered: ‎12-25-2010
0

Re: Will walmart upgrade to discover?

While there's no hard fast rule, generally if you give the card some use, pay more than minimum, and keep your scores up, this greatly increases the odds of getting an upgrade in the near future....


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}