Walmart Discover Upgrade! Strange?

[coldnmn]

I did my usual 4 month CLI and was denied. Now 2 weeks later I get a letter in the mail that I'm being upgraded to the Walmart Discover card. I wasn't asked if I wanted it. They just said in 65 days I will be receiving my new card. They turned me down for a CLI for Derogatory Public Records, Length of time accounts have been established, lack of installment loan information and Proportion of balances to credit limits. Also they used a credit score from March 28 2013 of 697. I have had my Walmart card for 26 months I'm at 20 percent of credit and have never been higher total on all my cards combined. My walmart card balance was less then $300 on $3300 limit. The only thing I can think of was they were converting me to Walmart Discover at the time I asked for the CLI. It was never mentioned online on my account to upgrade. I wonder when I call to activate the card if it will be a new inquiry

[Creditaddict]

---

@coldnmn wrote:

I did my usual 4 month CLI and was denied. Now 2 weeks later I get a letter in the mail that I'm being upgraded to the Walmart Discover card. I wasn't asked if I wanted it. They just said in 65 days I will be receiving my new card. They turned me down for a CLI for Derogatory Public Records, Length of time accounts have been established, lack of installment loan information and Proportion of balances to credit limits. Also they used a credit score from March 28 2013 of 697. I have had my Walmart card for 26 months I'm at 20 percent of credit and have never been higher total on all my cards combined. My walmart card balance was less then $300 on $3300 limit. The only thing I can think of was they were converting me to Walmart Discover at the time I asked for the CLI. It was never mentioned online on my account to upgrade. I wonder when I call to activate the card if it will be a new inquiry

---

No INQ but new account.  BUT should be higher credit line!

[myjourney]

---

@coldnmn wrote:

I did my usual 4 month CLI and was denied. Now 2 weeks later I get a letter in the mail that I'm being upgraded to the Walmart Discover card. I wasn't asked if I wanted it. They just said in 65 days I will be receiving my new card. They turned me down for a CLI for Derogatory Public Records, Length of time accounts have been established, lack of installment loan information and Proportion of balances to credit limits. Also they used a credit score from March 28 2013 of 697. I have had my Walmart card for 26 months I'm at 20 percent of credit and have never been higher total on all my cards combined. My walmart card balance was less then $300 on $3300 limit. The only thing I can think of was they were converting me to Walmart Discover at the time I asked for the CLI. It was never mentioned online on my account to upgrade. I wonder when I call to activate the card if it will be a new inquiry

---

Congrats but strange indeed

[justforting]

I think I've read somewhere that Walmart will be directly PC'ed to Walmart Discover after ~2 years if you do nothing wrong?

[Chaos122]

Hi, This is the exact same way I was upgraded to the discover version.  No notification online just a letter saying you will be upgraded in 45 days or so.   There should also be something on the letter that says if you would NOT like to upgrade, you can call and decline the upgrade and keep your store card.

No new inquiry, but it will be a new account as someone else mentioned.  Also when mine came in it didnt reflect a recent credit increase i had gotten on my store card and thus had an older smaller limit.  But when I activated it BAM auto cli to a line almost twice as large as my store card.

I love GE, eventhough they havent given me any love in over a year! Gotta garden off those inquiries and new accounts before they give me any love. lol

[imovinup]

Congrats this is my hope of one day converting my store card to the discover. I just have a bad habit of weekly credit limit increase requests. I always get denied. IM not going to hit the luv button for 5 months just to see what will happen if I grow some patients

[Blackbeauty212]

---

@justforting wrote:

I think I've read somewhere that Walmart will be directly PC'ed to Walmart Discover after ~2 years if you do nothing wrong?

---

I don't know if that's true...I've read on here people with several years of Excellent History and High CL, but still cannot get GE to Upgrade them to the Discover.

Seems like just plain luck of the drawl with GE/Walmart.... The only pattern I can put together is at certain times of the year GE goes in and eeny meeny miny moes accounts for upgrades.. Which is why we're seeing all these threads now about getting "the Upgrade" letter. 

[texasman07]

Coldnm. Did u get your card yet?

[coldnmn]

No! You can be sure I will update your post when I do. That seems to be the post everyone updates so I will update there also. I would think they would mail out Friday so they should be here the beginning of the week. When I've gotten cards from them seems like the middle of the week.

[LS2982]

I've had mine open now for 22 months $6K line. No offer yet to upgrade.......