topic Re: GE cards upgrade in Credit Cards

GE cards upgrade

kobe2012 — Wed, 15 Aug 2012 18:58:58 GMT

What is the score requirement for GE cards to upgrade to visa or discover version?

Re: GE cards upgrade

Anonymous — Wed, 15 Aug 2012 19:05:03 GMT

My score was 650 on EQ when I got the invitation to upgrade from the Walmart store card to the Walmart Discover.

Re: GE cards upgrade

kobe2012 — Wed, 15 Aug 2012 19:08:33 GMT

@Anonymous wrote:
My score was 650 on EQ when I got the invitation to upgrade from the Walmart store card to the Walmart Discover.

how long did you have the store card?

Re: GE cards upgrade

jamesdwi — Wed, 15 Aug 2012 19:08:34 GMT

@kobe2012 wrote:
What is the score requirement for GE cards to upgrade to visa or discover version?

from my research its more related to length of relationship with them. I see people with 650's and some with 799's both with serveral years of having the card. Also limits are taken into account as well, if your account is stuck at $150 don't expect an upgrade may have to request some CLI's along hte way.

Re: GE cards upgrade

Anonymous — Wed, 15 Aug 2012 19:12:36 GMT

do you also have to have a low util with there walmart card?

Re: GE cards upgrade

Anonymous — Wed, 15 Aug 2012 19:12:47 GMT

I had the store card for 2 1/2 years, because it took a long time to get my credit scores up. I had over 20 baddies on my report at one time.

Re: GE cards upgrade

mikka1 — Wed, 15 Aug 2012 19:13:49 GMT

kobe2012, keep in mind that score seems to be not the only factor (or maybe it's even not the important one) considered while offering you an upgrade. Same applies to the credit limit itself. It seems that what really factors in is the age of that particular account, but that's my personal observation.

As an example, I have Walmart store card opened in Jan 2012 currently with $2000 limit and at the same time I have a separate Discover More card (so seems that I am generally eligible for Discover products). Nonetheless, I don't get an offer to upgrade to Walmart Discover, but as I've seen here there were people getting those offers with smaller CLs and lower scores, so really YMMV.

Unless your account is already several years old and has not seen any CLIs so far (almost impossible in case of GE, I think) you shouldn't worry about this at all, IMHO.

Re: GE cards upgrade

kobe2012 — Wed, 15 Aug 2012 19:16:52 GMT

Oh ok... Im rushing into gettn an upgrade lol... Ive only had the card less than 3 months ..started at $500 And now its $900... I cant wait to get my GE cards upgraded.. Have 3 chargeoffs on my reports but from 5 yrs ago.... Not sure if those would prevent me from gettn upgrades

Re: GE cards upgrade

Jake0215 — Wed, 15 Aug 2012 19:42:35 GMT

Does anyone know if GE offers signature versions of their visa cards when a 5k limit is reached?

Re: GE cards upgrade

LS2982 — Wed, 15 Aug 2012 22:18:37 GMT

@Jake0215 wrote:
Does anyone know if GE offers signature versions of their visa cards when a 5k limit is reached?

I don't believe so.

Re: GE cards upgrade

Smug — Wed, 15 Aug 2012 23:02:39 GMT

Have my card for year. Credit limit is $5000 Never have been offered a Discover card.

Re: GE cards upgrade

CK_Charles_Lover — Thu, 16 Aug 2012 01:39:48 GMT

2 years 3 months! Last Nov/Dec before the Holidays they started offering upgrades A LOT! So maybe again

Re: GE cards upgrade

kobe2012 — Thu, 16 Aug 2012 06:32:40 GMT

@CK_Charles_Lover wrote:
2 years 3 months! Last Nov/Dec before the Holidays they started offering upgrades A LOT! So maybe again

I know my account will only be 6-7 months on december, but would love an upgrade or a really nice increase!!!!...

Re: GE cards upgrade

kobe2012 — Thu, 16 Aug 2012 06:33:27 GMT

@Smug wrote:
Have my card for year. Credit limit is $5000 Never have been offered a Discover card.

what was your initial CL???

Re: GE cards upgrade

Smug — Thu, 16 Aug 2012 11:21:03 GMT

@kobe2012 wrote:
@Smug wrote:
Have my card for year. Credit limit is $5000 Never have been offered a Discover card.
what was your initial CL???

I want to say 300 or 400 and it's been about 1.5 years, just checked.

Re: GE cards upgrade

learnin113 — Thu, 16 Aug 2012 14:22:09 GMT

@Jake0215 wrote:
Does anyone know if GE offers signature versions of their visa cards when a 5k limit is reached?

Nope