topic Re: Fastest GECRB Upgrade? in Credit Cards

Fastest GECRB Upgrade?

injustifiiable — Tue, 27 Aug 2013 15:18:41 GMT

Just curious of course...

Got the three GECRB cards I was approved for today and am so looking forward to seeing these grow. Was curious as to what was the fastest upgrade time to Discover/Visa...a year would be good but of course, faster is better!

Re: Fastest GECRB Upgrade?

BearsAndTurtlesRtheBest — Tue, 27 Aug 2013 15:27:30 GMT

So far Ive seen that the TJMAXX card tends to upgrade to the MC more quickly than AE, ON and Wal-Mart CCs, some get the upgrade at their 1 year anniversary but YMMV.

Re: Fastest GECRB Upgrade?

09Lexie — Tue, 27 Aug 2013 18:20:05 GMT

It's a YMMV. I opened my Walmart inOct and received the letter to upgrade in June.

Re: Fastest GECRB Upgrade?

missjae — Tue, 27 Aug 2013 19:38:13 GMT

@injustifiiable wrote:
Just curious of course...

Got the three GECRB cards I was approved for today and am so looking forward to seeing these grow. Was curious as to what was the fastest upgrade time to Discover/Visa...a year would be good but of course, faster is better!

It really just depends. Some people get them quickly and some people never get their cards upgraded. You always have the option to reapply for the card to see if you can get the co-branded card if the upgrade doesn't come fast enough for you.

Re: Fastest GECRB Upgrade?

injustifiiable — Tue, 27 Aug 2013 19:47:51 GMT

I guess the major question is if there's a certain way I should be managing the accounts in order to get flagged for the upgrade faster or at all???

Re: Fastest GECRB Upgrade?

09Lexie — Tue, 27 Aug 2013 19:54:22 GMT

From what I read, there doesn't seem any discernible method. There are members with higher scores, larger TLs and are till waiting for an upgrade. Tbh, I wouldn't be surprised if they through darts at acct numbers.

Re: Fastest GECRB Upgrade?

FinStar — Wed, 28 Aug 2013 03:32:00 GMT

@09Lexie wrote:
From what I read, there doesn't seem any discernible method. There are members with higher scores, larger TLs and are till waiting for an upgrade. Tbh, I wouldn't be surprised if they through darts at acct numbers.

LMAO@ Lexie... darts... lol

OP - there is no method to speed up the process for a GECRB upgrade. Account selection and elegibility depends on a lot of factors determined by each brand as managed by GECRB. Optimal methods that will likely improve your odds are (a) low utilization profile, (b) positive account history/usage, (c) healthy score and CR file - which includes not opening several new TLs or high # of inquiries.

Re: Fastest GECRB Upgrade?

09Lexie — Wed, 28 Aug 2013 03:34:15 GMT

@FinStar

It is the visual I have in my head...that or pulling numbers out of a hat

Re: Fastest GECRB Upgrade?

FinStar — Wed, 28 Aug 2013 03:41:50 GMT

@09Lexie wrote:
@FinStar

It is the visual I have in my head...that or pulling numbers out of a hat

LOL ...I sort of had a similar visual like you mentioned ... and, here's how GECRB decides whether you get an upgrade or not... hope for the best!

Re: Fastest GECRB Upgrade?

09Lexie — Wed, 28 Aug 2013 03:45:20 GMT

LOL!

Re: Fastest GECRB Upgrade?

injustifiiable — Wed, 28 Aug 2013 14:17:14 GMT

@FinStar wrote:
@09Lexie wrote:
From what I read, there doesn't seem any discernible method. There are members with higher scores, larger TLs and are till waiting for an upgrade. Tbh, I wouldn't be surprised if they through darts at acct numbers.
+1

LMAO@ Lexie... darts... lol

OP - there is no method to speed up the process for a GECRB upgrade. Account selection and elegibility depends on a lot of factors determined by each brand as managed by GECRB. Optimal methods that will likely improve your odds are (a) low utilization profile, (b) positive account history/usage, (c) healthy score and CR file - which includes not opening several new TLs or high # of inquiries.

Good info, Fin. Let's hope it works!