JCPenney Mastercard upgrade!

datrucking210 · ‎06-01-2016

Well yesterday in the mail I received a letter informing me that I was selected for an upgrade to the JCPenney Mastercard. Really surprised me. It does say if I don't want the upgrade to call by July 17th. Now I just recently jumped in the garden so this essentially will be coming out of the garden since it'll report as a new account, right?

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

woodyman100 · ‎06-01-2016

@datrucking210 wrote:
Well yesterday in the mail I received a letter informing me that I was selected for an upgrade to the JCPenney Mastercard. Really surprised me. It does say if I don't want the upgrade to call by July 17th. Now I just recently jumped in the garden so this essentially will be coming out of the garden since it'll report as a new account, right?

I believe so. I would do it if it was me, but that's me.

i would not have closed the account a couple of years ago had I known that it might upgrade

Congratu-diddlydooerooni-lations!

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill

Pway · ‎06-01-2016

If it requires a HP then yes your gardening starts over. I don't believe a upgrade requires a HP with Synchrony bank. It looks as though this was auto done from what I could read in the letter.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎06-01-2016

Congrats..Since you didn't initiate it, I don't think it counts against gardening.

woodyman100 · ‎06-01-2016

@Anonymous wrote:
Congrats..Since you didn't initiate it, I don't think it counts against gardening.

You could be right, but I think the rule says "No new accounts of any kind".

That might refer to the type of account rather than the the fact that it is new

NFCU-ICCU-EECU-PSECU-DoverFCU-DCUFCU-Union Square FCU-Signature FCU-AODFCU-RedstoneFCU-USAllianceFCU-Amarillo National Bank-BHG MC-CapitalOne-CapitalOne Biz-Regions-Goldman Sachs (Apple/GM)-Evolve-Fifth Third-Gemini-Huntington-Imprint-USBank-Pinnacle-Cardless-John Deere-Discover-BofA-BofA Biz-Celtic Bank (M1)-Chase-Chase Biz-Amex-Amex Biz-Wells Fargo-Commerce-FNBO-Citi-Citi Biz-Synchrony-Synchrony Biz-Target TD-Third Coast Bank-USAA-Amegy-Amegy Biz-Dell-Citizens Biz-Comenity-Comenity Biz-Bread (Comenity)-DSNB-Webbank-Bill

NichelleN · ‎06-01-2016

First, congrats to the OP. That's cool.'

Second, I wish this converted and kept the same account. It's too bad that one has to open a new tradeline for the upgrade.

More than enough credit.

Anonymous · ‎06-01-2016

@woodyman100 wrote:
@Anonymous wrote:
Congrats..Since you didn't initiate it, I don't think it counts against gardening.
You could be right, but I think the rule says "No new accounts of any kind".
That might refer to the type of account rather than the the fact that it is new

I know it mentions about no new tradelines and this will be one, so it's a possibility that it will restart gardening, but since it wasn't iniiated, here's hoping it doesn't restart the clock for you. I wouldn't turn down the upgrade since it's a MC.

Anonymous · ‎06-01-2016

oh, I'm so jelly! I want my JC Penny mastercard. Hoping to hear from them soon.

RonM21 · ‎06-01-2016

Congrats OP. To me if it was initiated on their end, in my own little world, that would not be stepping out of the garden. That is someone walking by and pouring water on it.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

datrucking210 · ‎06-01-2016

Thanks everyone!

@NichelleN wrote:
First, congrats to the OP. That's cool.'

Second, I wish this converted and kept the same account. It's too bad that one has to open a new tradeline for the upgrade.

This is my main concerned since I heard Synch reports visa/mc upgrades as new tradelines. I'm hoping that since I didn't initiate it I get a pass for my gardening status

Just for reference, I opened this account back in June 2014 so it took two years for an upgrade. Used it a couple times at the beginning but not a whole lot. The most I put on it was like $87 an paid off days later. I haven't used it in about 6 months which reminds me that I need to charge something to keep it active so it doesn't get shut down for inactivity.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

AU: