topic Re: Walmart Limbo in Credit Cards

Walmart Limbo

Anonymous — Thu, 03 Mar 2016 06:02:28 GMT

Hello. Does anyone know how to get Walmart to take the final jump to get me to $5000, and stop the puny $100 CLIs? Or, how do I PC to the Walmart Mastercard or something of similar ilk?

Re: Walmart Limbo

FinStar — Thu, 03 Mar 2016 06:08:43 GMT

The MC upgrade is by invitation only - a PC is not something you can request. You can try the Credit Solutions or Chat route to see if your account is elegible for a higher CL. Regardless, a CLI is a CLI. Are you using all your tradelines to full capacity, including the Walmart store CC?

Re: Walmart Limbo

B335is — Thu, 03 Mar 2016 06:10:45 GMT

If you're getting $100 bumps I'd guess you're pushing the online button. Echoing Finstar's comment the best way to get a meaningful CLI is to call or use the chat function.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 08:52:48 GMT

I accidentally closed my Walmart store card Jan 2015. Per CS, they don't reopen accounts so I had to reapply. When I reapplied, I was approved for the MC.

What are your FICO scores? That and your utilization may be preventing you from achieving the larger CLIs. Building a solid credit profile takes time. Best of luck!

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 10:56:56 GMT

@Anonymous wrote:
Hello. Does anyone know how to get Walmart to take the final jump to get me to $5000, and stop the puny $100 CLIs? Or, how do I PC to the Walmart Mastercard or something of similar ilk?

@Anonymous stated by others you need to call Credit Solutions @ 877-379-8173. It's quick and painless and the best way to get CLI's on all SYNC cards.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 11:24:06 GMT

Just an add... when you call, aim high and ask for 10K or 15K depending on your resources. If not approved, they will counter.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 11:26:23 GMT

@Anonymous wrote:
Just an add... when you call, aim high and ask for 10K or 15K depending on your resources. If not approved, they will counter.

Thanks for bringing that up. I missed it.

Always shoot high when asking for CLI's (especially with CS) to make sure you're leaving nothing on the table.

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 16:46:53 GMT

I quite enjoy calling CS for Sync CLI’s.

Lowes CS Rep: How much would you like?

Me: Oh, let’s go for $25K Daddy needs a new grill and maybe a broom.

Lowes CS Rep: I was only able to get you $12k

Me: That’ll do. I guess the broom will have to wait.

Only one of them has ever picked up on the humor and ran with it but it sure is funny when they do.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 16:56:20 GMT

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@Anonymous wrote:
Hello. Does anyone know how to get Walmart to take the final jump to get me to $5000, and stop the puny $100 CLIs? Or, how do I PC to the Walmart Mastercard or something of similar ilk?

Ok, everyone... This bothered me all night... so, I got up this morning and called 1-877-379-8175. I explained that I pressed the CLI button, but the increase was not what I wanted and I did not get the opportunity to reject it before my limit was automatically raised. The rep asked me what I was looking for. I said I wanted to be at $5000 or better. He paused for about five seconds and said, if you will check your account you will see that your limit has been raised to the $5000. So, thank you everyone for your encouragement. Now, I got to figure out a way to get the PC to the mastercard... any suggestions?

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 17:02:58 GMT

Sounds like you left money on the table. Call back and ask for $15k. Trust us.

Re: Walmart Limbo

Loquat — Thu, 03 Mar 2016 17:18:13 GMT

@MyLoFICO wrote:
Sounds like you left money on the table. Call back and ask for $15k. Trust us.

Doesn't matter if he calls back and gets $15k, it's not going to get him any closer to the MC version. Nothing short of the invitation or apping again with hopes of getting it the second time around is going to make it happen.

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 18:08:20 GMT

@Loquat wrote:
@MyLoFICO wrote:
Sounds like you left money on the table. Call back and ask for $15k. Trust us.
Doesn't matter if he calls back and gets $15k, it's not going to get him any closer to the MC version. Nothing short of the invitation or apping again with hopes of getting it the second time around is going to make it happen.

Yeah, I didn't think it would but I saw the PC to MC thing addressed earlier and missed that they asked again about it. My bad. I blame work for distracting me from playing on the internet. I'll have to speak to my boss about that.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 21:47:38 GMT

I have often wondered if there is a certain limit that you can get to on your store card that will trigger some type of PC to Mastercard. I feel like my TU score is high enough for the MC, but I don't want to app again. (I also don't want another hit to my AAoA, but I heard that they open a new tradeline for the mastercard so it may be a hit either way.) Does anyone know if getting limit to a certain amount would trigger a PC to Mastercard?

Re: Walmart Limbo

ddemari — Thu, 03 Mar 2016 22:07:55 GMT

There really isn't a way to or anything an upgrade to MC.
Have a TU of least 680 and hope to see the upgrade one day. Or go into the store and apply for the MC, you can have 2 cards. I got the mc online a few months ago and had closed out my store card. Better odds in the store for the mc but u never know what u will get unless your TU IS 720+

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 22:08:02 GMT

Since the MC is also through Sync I would imagine CS and usage would be a factor since they would then have to share in the profits with MC. Just a hunch though.

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 22:10:56 GMT

@ddemari wrote:
There really isn't a way to or anything an upgrade to MC.

I just spoke to Evan in chat who said they periodically review the accounts for upgrades to MC. If you qualify you will get a message in the My Messages section of your online account. I imagine a letter if you have paper statements.

Re: Walmart Limbo

ddemari — Thu, 03 Mar 2016 22:44:28 GMT

Its totally possible, I just meant there wasnt a way to contact them through channels or EO office or anything to get the upgrade. Just wait it out.

Re: Walmart Limbo

FinStar — Thu, 03 Mar 2016 23:32:10 GMT

@ddemari wrote:
Its totally possible, I just meant there wasnt a way to contact them through channels or EO office or anything to get the upgrade. Just wait it out.

Correct. A MC upgrade is not something one can trigger by calling the CSRs, EO, Credit Solutions, Chat, walk upside down, perform magical acts, poke a voodoo doll, etc.

Accounts are periodically reviewed and there is no rhyme or reason on what determines the specific criteria - even by brand. There are individuals who can qualify for an upgrade as early as 6-8 months and there are others who have waited 2+ years. To Annipoo, the CL on a store card does not determine the upgrade eligibility (i.e. there are individuals with $10K CL on a store card and yet no MC upgrade).

Re: Walmart Limbo

MyLoFICO — Thu, 03 Mar 2016 23:52:02 GMT

@ddemari wrote:
Its totally possible, I just meant there wasnt a way to contact them through channels or EO office or anything to get the upgrade. Just wait it out.

Yeah I re-read your post and I see I read it the wrong way. But you are correct, no way to user initiate it.

Re: Walmart Limbo

Anonymous — Thu, 03 Mar 2016 23:56:00 GMT

Dang. Oh well. I'll just wait and see if they offer someday. I don't need it. I would just like to have the MC version if possible. No biggie.