Store cards and upgrades...

[Anonymous]

I have a few store cards I have held onto over the years and was curious if anyone has ever had any of these cards upgraded to their Visa or Mastercard versions? If so how long did it take and did you have to request the upgrade?

Right now I have..

Synchrony

-BP Store card - We were fine with just the store card as BP was the main gas station my family would use due to the location being right   next to our home. Unfortunately they closed the BP so now it's a lot farther commute to the next one. I am trying to decide if I should hold   onto the card just incase we move or the card could get upgraded or if it's time to say goodbye.

-Banana Republic- This is my most used store card.It gets heavy use ever few months from my husband and we have benefited from the   rewards greatly. I am very interested to know if any of you have had this card upgraded to the Visa version?

Comenity

-Williams Sonoma- This card gets heavy use around the holidays and speradic use throughout the year for special occasions. Curious if this   card can be upgraded as well.

TB BANK

-Target- Weekly use. Not sure how much better your perks get the MC version but I would like to know how many of you have been offered   an upgrade.

Capital One

-Saks First Premier- This is the Saks 5th Avenue Store card. I do not use this card a lot due to the fact I can get the same stuff cheaper   elsewhere. I do use it for make up purchases and maybe an occasional sale item. Has anyone been offered an upgrade to the MC version?

I appreciate any input/data points on this topic. Thank you!

[pizza1]

You have to be "invited" for the upgrades, you can't just request them, I mean you can request, but it's always done in mass invite.

You would need to reapply for the BP card to see if you could get the MC, and usually for Synch, its scores 670+ min.

The BR cc same...you have to be invited, or reapply when TU score 670+...preferably 700.

WS Ive heard of very few upgrades. You're considered for both on application, but you'll need scores again on EX and EQ 680+ min

Target is invite only. They usually do an invite if you qualify in mass invites every few years.

Saks...you have to apply for the MC.

I would get your scores up over 680+ first, and hold out for upgrades on BP, BR, Target.

[Anonymous]

I will have all of my current cards paid off by May 10th so my score will probably skyrocket. Hopefully then I can be considered for upgrades. The reason for my low scores now are from super high UTL and 2 baddies which fall off in June. Thank you for the information!

[pizza1]

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@Anonymous wrote:

I will have all of my current cards paid off by May 10th so my score will probably skyrocket. Hopefully then I can be considered for upgrades. The reason for my low scores now are from super high UTL and 2 baddies which fall off in June. Thank you for the information!

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Id let one cc report a very small balance of 1% for ultimate fico scoring, and the rest zero. If you let all your cards report zero once you pay them off, you wont see any movement on scores. Fico cant score you on revolving if you have no balances...

[Anonymous]

Will do! Thank you for your help