Re: Is Walmart Still Upgrading Store Cards?

Anonymous · ‎01-12-2015

Until they change their UPGRADE=NEW ACCOUNT policy, I'm sticking with the store card.

Other than using it outside of Walmart, I can't see any benefit of the MC version and there are plenty of better credit cards to use outside.

taxi818 · ‎01-12-2015

@elim wrote:
$150 to $3500 in 9 months and 712 TU... no upgrade here

I'm kind of agree no SL 600. 1st increase. 150. To 750. What. Then last week. 750 to 1450. Store card. So in will keep little longer. Even I dont use it.

TRC_WA · ‎01-12-2015

Walmart store card $600 SL... $100 auto CLI at 6 months... $200 auto CLI at 9 months... nothing else for the next 5 months.

All my CLI requests were denied... we are talking about a $900 Walmart card.

I closed the account last month... I've got better cards than their MC anyway.

Good riddance.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

TRC_WA · ‎01-12-2015

@taxi818 wrote:
@elim wrote:
$150 to $3500 in 9 months and 712 TU... no upgrade here
I'm kind of agree no SL 600. 1st increase. 150. To 750. What. Then last week. 750 to 1450. Store card. So in will keep little longer. Even I dont use it.

Don't hold your breath waiting for a CLI or the MC upgrade.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Kenny · ‎01-12-2015

The reports of the upgrades have definitely slowed down. Not sure that I've seen one in a while. But, I like many others, wouldn't wish it on someone either. Not worth the new trade line.

Take the myFICO Fitness Challenge

joedtx · ‎01-12-2015

I think the Sam's M/C would be a better option...... the 5% on gas is fantastic!

chalupaman · ‎01-12-2015

@joedtx wrote:
I think the Sam's M/C would be a better option...... the 5% on gas is fantastic!

+1

That was a big reason I went for that card though they countered with the store card and the card is way less conservative than Wal-Mart's when it comes to the CL.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

taxi818 · ‎01-12-2015

@TRC_WA wrote:
@taxi818 wrote:
@elim wrote:
$150 to $3500 in 9 months and 712 TU... no upgrade here
I'm kind of agree no SL 600. 1st increase. 150. To 750. What. Then last week. 750 to 1450. Store card. So in will keep little longer. Even I dont use it.
Don't hold your breath waiting for a CLI or the MC upgrade.

Why did you say that ? you have inside info? I was thinking at least cli every 4 months. Maybe another year to mc. Hmmm

TRC_WA · ‎01-12-2015

@taxi818 wrote:
@TRC_WA wrote:
@taxi818 wrote:
@elim wrote:
$150 to $3500 in 9 months and 712 TU... no upgrade here
I'm kind of agree no SL 600. 1st increase. 150. To 750. What. Then last week. 750 to 1450. Store card. So in will keep little longer. Even I dont use it.
Don't hold your breath waiting for a CLI or the MC upgrade.
Why did you say that ? you have inside info? I was thinking at least cli every 4 months. Maybe another year to mc. Hmmm

As already said the MC isn't worth the new TL if you even get an upgrade offer in the next 5 years.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

joedtx · ‎01-12-2015

@chalupaman wrote:
@joedtx wrote:
I think the Sam's M/C would be a better option...... the 5% on gas is fantastic!
+1

That was a big reason I went for that card though they countered with the store card and the card is way less conservative than Wal-Mart's when it comes to the CL.

Interesting, can you PC to the the Sam's M/C or is it by invitation only?

Is Walmart Still Upgrading Store Cards?

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