topic Walmart Discover upgrade questions, questions, questions... in Credit Cards

Walmart Discover upgrade questions, questions, questions...

Anonymous — Tue, 04 Feb 2014 10:39:45 GMT

So I recently got the upgrade offer for the Wal-Mart Discover from the plain Wal-Mart store card. With no regard to my AAOA, I accepted the offer. The site asked me for my income, which I like to think is pretty good, but I only got $2,000. I'm not complaining, because my Wal-Mart store card had an $1,800 limit, but it's definitely not as high as I was hoping for.

My questions are as follows:

For those that have accepted the upgrade, how long until you received your new card? I can't access my online profile without the 3 digit code from the back.

I heard that upgrading the card closes your prior account, however, it still appears to be open on the website. Does the closure not occur until I activate the new card?

How soon after upgrading did you successfully request a CLI? My fourth billing statement is this month, and I was looking forward to an increase, but since it's a new card, does the clock reset, so to speak? I'm going to request an increase through the online portal, but I'm unable to sign in until I get my new card.

Thanks in advance!

Re: Walmart Discover upgrade questions, questions, questions...

coldnmn — Tue, 04 Feb 2014 12:21:48 GMT

@Anonymous wrote:
So I recently got the upgrade offer for the Wal-Mart Discover from the plain Wal-Mart store card. With no regard to my AAOA, I accepted the offer. The site asked me for my income, which I like to think is pretty good, but I only got $2,000. I'm not complaining, because my Wal-Mart store card had an $1,800 limit, but it's definitely not as high as I was hoping for.

My questions aie as follows:
For those that have accepted the upgrade, how long until you received your new card? I can't access my online profile without the 3 digit code from the back.

I heard that upgrading the card closes your prior account, however, it still appears to be open on the website. Does the closure not occur until I activate the new card?

How soon after upgrading did you successfully request a CLI? My fourth billing statement is this month, and I was looking forward to an increase, but since it's a new card, does the clock reset, so to speak? I'm going to request an increase through the online portal, but I'm unable to sign in until I get my new card.

Thanks in advance!

Congrats! When I called to activate my card they gave me a CLI. Doing the activation online didn't seem to get the same result as far as CLI. When I log into my account it still lists both accounts even though the store card is closed. I was denied a CLI after 4 months but I don't think I had generated 4 statements. There was a bunch on the forum that got the upgrade last summer. For some reason It took us a couple months to get the new cards. My card at activation went from $3300 to $5000.

Re: Walmart Discover upgrade questions, questions, questions...

Anonymous — Tue, 04 Feb 2014 12:28:31 GMT

Sweet! That's the result in hoping for. Maybe they see I have a $7,500 Discover It from a soft pull and try to match or beat the limit. Thanks!

Re: Walmart Discover upgrade questions, questions, questions...

ecxpa — Tue, 04 Feb 2014 13:17:28 GMT

I didn't get the Walmart Discover through an upgrade I just applied after I had the Walmart card for a while; both cards are still active; likewise with the Sam's Club Card and the Sam's Discover, I have them both. GECRB is my biggest lender..... I have a bunch of cards with them; nice with CLI's also

Re: Walmart Discover upgrade questions, questions, questions...

indiolatino61 — Tue, 04 Feb 2014 13:30:54 GMT

@Anonymous wrote:
So I recently got the upgrade offer for the Wal-Mart Discover from the plain Wal-Mart store card. With no regard to my AAOA, I accepted the offer. The site asked me for my income, which I like to think is pretty good, but I only got $2,000. I'm not complaining, because my Wal-Mart store card had an $1,800 limit, but it's definitely not as high as I was hoping for.

My questions are as follows:
For those that have accepted the upgrade, how long until you received your new card? I can't access my online profile without the 3 digit code from the back.

I heard that upgrading the card closes your prior account, however, it still appears to be open on the website. Does the closure not occur until I activate the new card?

How soon after upgrading did you successfully request a CLI? My fourth billing statement is this month, and I was looking forward to an increase, but since it's a new card, does the clock reset, so to speak? I'm going to request an increase through the online portal, but I'm unable to sign in until I get my new card.

Thanks in advance!

Wait...so "upgrading" to the Walmart Discover closes the store card and gives you a new TL? I didn't know that...it's like closing one and apping for another. I don't think I'll accept the upgrade if it comes, since I already have the IT.

Re: Walmart Discover upgrade questions, questions, questions...

Anonymous — Tue, 04 Feb 2014 14:14:23 GMT

I wouldn't necessarily consider it a new app, more a pre-approval in the truest sense of the phrase - you don't have to apply, GE is telling you that you just have to say yes. No HP. Yes it is a new tradeline, but in a manual review, it may look better that it's a "Discover (backed by GE)", and not "just" a store card. Just my .02.

Re: Walmart Discover upgrade questions, questions, questions...

Built2last — Tue, 04 Feb 2014 14:22:12 GMT

I have a few questions for those who you who were eligible for the upgrade:

How long did you have your regular WM or Sam's card before you were eligible to upgrade? I will be 1 yr on WM this month and 1 year on Sam's in May. I have had heavy usage and have received 2 or 3 CLI on each card.
Do we know if this is actually a new TL or just a PC? When I upgraded my Cap1 platinum to Quicksilver, it just changed my credit report to show that I have had the quicksilver the entire time.

Thanks!!!

Re: Walmart Discover upgrade questions, questions, questions...

indiolatino61 — Tue, 04 Feb 2014 15:45:10 GMT

@Built2last wrote:
I have a few questions for those who you who were eligible for the upgrade:
How long did you have your regular WM or Sam's card before you were eligible to upgrade? I will be 1 yr on WM this month and 1 year on Sam's in May. I have had heavy usage and have received 2 or 3 CLI on each card.
Do we know if this is actually a new TL or just a PC? When I upgraded my Cap1 platinum to Quicksilver, it just changed my credit report to show that I have had the quicksilver the entire time.
Thanks!!!

That's exactly what I'd like to know...if it's just a PC, then the AAoA is not affected, but if it is a new tradeline I'd rather just stay with the store card, since I already have the IT card.

Re: Walmart Discover upgrade questions, questions, questions...

Anonymous — Tue, 04 Feb 2014 16:34:18 GMT

@indiolatino61 wrote:
@Built2last wrote:
I have a few questions for those who you who were eligible for the upgrade:
How long did you have your regular WM or Sam's card before you were eligible to upgrade? I will be 1 yr on WM this month and 1 year on Sam's in May. I have had heavy usage and have received 2 or 3 CLI on each card.
Do we know if this is actually a new TL or just a PC? When I upgraded my Cap1 platinum to Quicksilver, it just changed my credit report to show that I have had the quicksilver the entire time.
Thanks!!!
That's exactly what I'd like to know...if it's just a PC, then the AAoA is not affected, but if it is a new tradeline I'd rather just stay with the store card, since I already have the IT card.

I've had my Wal-Mart for about 4 years now. From what I understand, upgrades are typically offered at 2 years, but for whatever reason, I just barely got the offer. Not sure what factors play into it. I used to carry a balance all the time, usually closer to the limit, but 100% on-time payment history. I still got auto-cli, even being close to the balance, 3 separate times. Just recently, the last couple months, I've been paying in full. Also recently did a BT to a 0% card to help get my balance down.

It is an entirely new tradeline, and from what I understand, but haven't been able to confirm, is that accepting the offer closes your old account. Since it's new, it will negatively affect your AAOA. It is not a product change.

Re: Walmart Discover upgrade questions, questions, questions...

emptypockets — Tue, 04 Feb 2014 17:23:36 GMT

Yes, accepting the upgrade closes and converts your store card into a Walmart Discover. I still see the store card when I sign into my account. It looks open on the website, but shows as closed on all credit reports. The Discover (shows as Walmart DC - dual card) shows as being newly opened as of date upgrade was accepted. So it does affect AAoA, and shows as newly opened account, but no HP. The only real advantage to the upgrade is that you get a card you can use everywhere, with a company that give regular CLI's.

Re: Walmart Discover upgrade questions, questions, questions...

09Lexie — Tue, 04 Feb 2014 19:03:29 GMT

@emptypockets wrote:
Yes, accepting the upgrade closes and converts your store card into a Walmart Discover. I still see the store card when I sign into my account. It looks open on the website, but shows as closed on all credit reports. The Discover (shows as Walmart DC - dual card) shows as being newly opened as of date upgrade was accepted. So it does affect AAoA, and shows as newly opened account, but no HP. The only real advantage to the upgrade is that you get a card you can use everywhere, with a company that give regular CLI's.

Correct. I received my upgrade offer 8 months after opening the store card. It does report as a new TL which will impact your AAOA. I received a CLI upon activation, I think it was $2k CLI. Both accounts are visible on the website but it reported as closed/transfer on the CR's. The status and reporting took about two months IIRC.

By the way..., I went from $700 to $12k in less than a year, with little to no usage.

Re: Walmart Discover upgrade questions, questions, questions...

-Wade- — Tue, 04 Feb 2014 19:08:59 GMT

@Anonymous wrote:
So I recently got the upgrade offer for the Wal-Mart Discover from the plain Wal-Mart store card. With no regard to my AAOA, I accepted the offer. The site asked me for my income, which I like to think is pretty good, but I only got $2,000. I'm not complaining, because my Wal-Mart store card had an $1,800 limit, but it's definitely not as high as I was hoping for.

My questions are as follows:
For those that have accepted the upgrade, how long until you received your new card? I can't access my online profile without the 3 digit code from the back.

I heard that upgrading the card closes your prior account, however, it still appears to be open on the website. Does the closure not occur until I activate the new card?

How soon after upgrading did you successfully request a CLI? My fourth billing statement is this month, and I was looking forward to an increase, but since it's a new card, does the clock reset, so to speak? I'm going to request an increase through the online portal, but I'm unable to sign in until I get my new card.

Thanks in advance!

Congrats on ur upgrade

Re: Walmart Discover upgrade questions, questions, questions...

scorpiostinger07 — Wed, 05 Feb 2014 02:18:05 GMT

Just logged in to my walmart account an had the upgrade offer and accepted. Previous CL was $1800 and new CL is $2000. congrats on the upgrade. I have had the card exactly 12 months.

Re: Walmart Discover upgrade questions, questions, questions...

zerobacan — Thu, 06 Feb 2014 19:54:07 GMT

I just got offered the Discover upgrade. Which I accepted... my cl was 2.9ks just got bumped from 2ks to 2.9 a month ago.
My tu fico is low cause of the holiday shopping 669 wally said today.
After the upgrade my cl is 3ks... 100 bucks more than b4...

I opened this card on october 2011 with 300 bucks
I have several ge cards. My highest cl is amazon w 5ks.

There it goes for the record...

Re: Walmart Discover upgrade questions, questions, questions...

SunriseEarth — Thu, 06 Feb 2014 20:42:01 GMT

@Anonymous wrote:
So I recently got the upgrade offer for the Wal-Mart Discover from the plain Wal-Mart store card. With no regard to my AAOA, I accepted the offer. The site asked me for my income, which I like to think is pretty good, but I only got $2,000. I'm not complaining, because my Wal-Mart store card had an $1,800 limit, but it's definitely not as high as I was hoping for.

My questions are as follows:
For those that have accepted the upgrade, how long until you received your new card? I can't access my online profile without the 3 digit code from the back.

I heard that upgrading the card closes your prior account, however, it still appears to be open on the website. Does the closure not occur until I activate the new card?

How soon after upgrading did you successfully request a CLI? My fourth billing statement is this month, and I was looking forward to an increase, but since it's a new card, does the clock reset, so to speak? I'm going to request an increase through the online portal, but I'm unable to sign in until I get my new card.

Thanks in advance!

Congrats on the upgrade. You could try calling Credit Solutions immediately to see if you can get a CLI. You might have to wait until you receive the actual card, but I'm not sure.