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Loft upgrade to MC

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sunkissed
Established Contributor

Loft upgrade to MC

I opened a Loft store card in August of this year.  A couple of weeks ago, I was offered an upgrade to their Loft MasterCard and accepted the offer.  Although it doesn't much matter in the grand scheme of things, I was wondering if this will report as a new TL or if the upgrade will simply update my existing TL.  I sill haven't seen it update on my report yet.

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 1 of 19
18 REPLIES 18
Kay_Cee
Regular Contributor

Re: Loft upgrade to MC

Congrats on the upgrade!  My Ann Taylor card, when upgraded to the MC, reported as a new tradeline.  

Message 2 of 19
coldnmn
Mega Contributor

Re: Loft upgrade to MC

Congrats ! I did a search on here if it's still a Comenity Card the only thing I found was they don't upgrade. Very interested to see if anyone else has received one and their answer. Smiley Happy

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 19
sunkissed
Established Contributor

Re: Loft upgrade to MC

Thanks Kay_Cee Smiley Happy

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 4 of 19
money28
Regular Contributor

Re: Loft upgrade to MC

So did they mail the offer to upgrade or was it in the store?

Starting Score: 06/29/13 TU 579; EQ 585; EX 574
Current Score: 07/24/13 TU 645; EQ 668; EX 652
Goal Score: 740
Wells Fargo $700 / Merrick Bank $1000 / Fingerhut $1300 /
Gettington $1000 Walmart $600 HSN/1300 Express/700 Jcrew/1850
Jared $2000 Macys $2500 Bloomingdale $1000 Sony Card $1500
Amazon Store Card $900 Ann Taylor/880 American Airlines/1500 Shell/500 Capital One Quicksilver\ $500 Pier 1 $1500 \ Chase Zappos Visa $2500 Barclays Apple\$1200

Message 5 of 19
FocusedAndDetermined
Senior Contributor

Re: Loft upgrade to MC

Congrats on the upgrade!

 

Didn't know The Loft offered a MC.Smiley Embarassed

Message 6 of 19
sunkissed
Established Contributor

Re: Loft upgrade to MC

Thanks to all for the congrats!Smiley Wink

 

I got the offer while shopping in a Loft store.  At checkout, I started to pay with my Loft store card and the saleslady asked me if I would like to upgrade to their MasterCard for better rewards.  I agreed; she asked my about income and asked for my license.  She had to call it in.  They gave her my new account number and my new credit limit.  I went from $750 with the store card to $3500 with the new MC.

 

I was really surprised to get an offer so soon.  I just opened this account in August.  Also, most of my accounts have been opened this year.  I’ve had my Cap1 & BOA for 10 years.  USAA since Nov 2012.  Discover in Feb 2013.  NFCU in March.  Victoria’s Secret was a little before USAA in fall 2012.  Everything else was opened between Aug and Sep of this year.

 

edit: My SECU Visa was opened in May. (Not in my Aug-Sep mini-spree).

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 7 of 19
coldnmn
Mega Contributor

Re: Loft upgrade to MC

With a new account number sounds like a new TL.  Please keep us updated if it is or not helps everyone. Once again Congrats !

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 19
sunkissed
Established Contributor

Re: Loft upgrade to MC

I took the upgrade on 20 Oct, so I've already received my card in the mail.  I was issued a new account number.  Also on their website there are different logons for the store card versus their MC.  So it does look like a new TL.  Kinda hoping it wasn't, since I have so many new accounts already this year.  As soon as it reports, I'll update.

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 9 of 19
FocusedAndDetermined
Senior Contributor

Re: Loft upgrade to MC


@sunkissed wrote:

Thanks to all for the congrats!Smiley Wink

 

I got the offer while shopping in a Loft store.  At checkout, I started to pay with my Loft store card and the saleslady asked me if I would like to upgrade to their MasterCard for better rewards.  I agreed; she asked my about income and asked for my license.  She had to call it in.  They gave her my new account number and my new credit limit.  I went from $750 with the store card to $3500 with the new MC.

 

I was really surprised to get an offer so soon.  I just opened this account in August.  Also, most of my accounts have been opened this year.  I’ve had my Cap1 & BOA for 10 years.  USAA since Nov 2012.  Discover in Feb 2013.  NFCU in March.  Victoria’s Secret was a little before USAA in fall 2012.  Everything else was opened between Aug and Sep of this year.


Looks like you answered your earlier question - new account number = new TL.  But if you shop there a lot and the rewards are better, it was probably worth it.  Enjoy!

Message 10 of 19
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