topic Re: Walmart Discover CSR Confusing in Credit Cards

Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 03:12:40 GMT

Today i recieved my walmart discover upgrade card and when i activated the card it shows both accounts The walmart discover gives me a limit of 3200 I had to put in my salary while my current card sits at 7000. I read that the walmart discover will replace your current card and that account info and balance will b automatically transferred to your new account. I called and was told that i would have both cards and no accounts will close I ask the csr was this accurate info and he assured me it was. I called again and another csr assured me my walmart card will be closed. I really do love walmart but, this info i am getting is bad. Has anyone experienced this yet. Thank you for your feedback.

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 03:30:58 GMT

Ask the CSR to transfer you to underwriting to have the credit limit from the store card transferred over to your discover card, this can be done. When you are transferred to underwriting ask to speak with a U.S. based lender -- they can perform the transfer. This is, of course, if both accounts are active. Typically an upgrade is going to result in the closure of the store card -- but sometimes these things slip through the system and if Im understanding your situation correctly that could be a big benefit to you. You can even request a portion of the limit be transferred from the store card to the discover if you want. :-)

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 03:35:54 GMT

Thank you so much i will definitely do that!

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 03:52:44 GMT

You can also try the backdoor lines for the underwriting department, when you go through a CSR they are going to push back on transferring to underwriting so it might be better for you to just call the backdoor line and ask for a U.S. underwriter to avoid the frustration.

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 03:59:59 GMT

Thank you im talking to him now. Thank you so much!

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 04:01:22 GMT

Hopefully it all works out for you. I dont think you should have any trouble so long as both accounts are still active.

Re: Walmart Discover CSR Confusing

Epcot — Sat, 17 Nov 2012 04:03:11 GMT

That is interesting.. Keep us posted!

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 04:09:01 GMT

The u.s. underwriter explained to me that they do not handle transfers only credit limit increases. He put me on hold for 5 mins and came back saying csr handle this. wow

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 04:13:49 GMT

They will do it, believe me... Ive done it before on several cards issued by the same lender. The exposure with the company is the same regardless of where it lies. For example -- both are walmart cards with a total exposure of $10,200. This means no matter what the risk is the same no matter where the credit limit resides. I would try again until you get the answer you want. You can do this on other GE Capital accounts too -- like Lowes and others. This is only if both cards are active, if the store card is closed because of an upgraded offer, that would mean that the limit or exposure no longer exists, but if both are open you can transfer it around. I would try again. :-)

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 04:17:47 GMT

Thank you I am trying again on the phone right now i am not giving up.U have been very helpful will keep you posted.

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 04:18:06 GMT

And I will add that the request will result in a soft pull because the lender will need to verify that you meet compliance guidelines to transfer the exposure, particularly in regard to your annual income due to recent regulatory changes.

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 04:27:28 GMT

Thank you again for your help the csr dept is closed i did recieve info to call first thing in the morning which i will definitely do. You are right they did say that this can definitely be done glad you were on the forum when i needed help.

Re: Walmart Discover CSR Confusing

JusdoNit — Sat, 17 Nov 2012 04:34:44 GMT

Hi. Which GE cards were you successfully able to transfer line limits inbetween? I would love to do this too.

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 04:39:44 GMT

hey, i'm trying to transfer my reg walmart card to my walmart discover.

Re: Walmart Discover CSR Confusing

JusdoNit — Sat, 17 Nov 2012 04:41:24 GMT

ok. I forgot to include the quote. The question was directed to poster aaron....

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 04:52:02 GMT

Lowes, JcPenny, and Walmart -- its only available when the company has multiple accounts (for example a store card and a discover/visa or in the case of Lowes a consumer card and a project card... both accounts have to be active to be able to transfer the limit (otherwise it would be a cli). The basic premise is that the card is active and the risk is out there -- so there is no difference where the available credit lies, the exposure is all the same. Just escalate until you get the answer you want. :-)

Re: Walmart Discover CSR Confusing

JusdoNit — Sat, 17 Nov 2012 06:42:20 GMT

ahhh, so I see. Thanks

Re: Walmart Discover CSR Confusing

wallyworld123 — Sat, 17 Nov 2012 14:21:51 GMT

@Anonymous wrote:
Ask the CSR to transfer you to underwriting to have the credit limit from the store card transferred over to your discover card, this can be done. When you are transferred to underwriting ask to speak with a U.S. based lender -- they can perform the transfer. This is, of course, if both accounts are active. Typically an upgrade is going to result in the closure of the store card -- but sometimes these things slip through the system and if Im understanding your situation correctly that could be a big benefit to you. You can even request a portion of the limit be transferred from the store card to the discover if you want. :-)

update called a few minutes ago and i am happy to say transfer was successful. yahoo! thank u so much aaron u were a gr8 help.

Re: Walmart Discover CSR Confusing

Anonymous — Sat, 17 Nov 2012 17:57:57 GMT

Good, so glad it worked out for you.