For those who are questioning if the upgrade will be a new account.
@Anonymous wrote:
There's a part of me that wished I hadn't gotten that card. I was on an app approved spree and I loved getting the new cards, but it has outlived its usefulness. Good thing it's a no AF card, otherwise it'd be on a one-way ticket to the dustbin!!
I got suckered into app'ing for the store card when at the checkout cashier they were pushing a $25 statement credit for app'ing & using it for the current purchase. Yes, I sell myself too cheap sometimes, but they sure are CLI happy on the card, my CL is now $10k, almost all auto CLIs, never a HP since the original app. But I look at that $10k CL and think "Good Lord, I can't buy that much beer & steak for the grill!". 
I think the only reason to have a store card is: purchase discount, 0% deferred interest, or high CL to help keep overall untilization low. Walmart only does the last one for me, my only other store card is Lowes, and it does 1&2, and a little on the 3rd ($5k CL).
@DaveInAZ wrote:
@Anonymous wrote:
There's a part of me that wished I hadn't gotten that card. I was on an app approved spree and I loved getting the new cards, but it has outlived its usefulness. Good thing it's a no AF card, otherwise it'd be on a one-way ticket to the dustbin!!I got suckered into app'ing for the store card when at the checkout cashier they were pushing a $25 statement credit for app'ing & using it for the current purchase. Yes, I sell myself too cheap sometimes, but they sure are CLI happy on the card, my CL is now $10k, almost all auto CLIs, never a HP since the original app. But I look at that $10k CL and think "Good Lord, I can't buy that much beer & steak for the grill!".
I think the only reason to have a store card is: purchase discount, 0% deferred interest, or high CL to help keep overall untilization low. Walmart only does the last one for me, my only other store card is Lowes, and it does 1&2, and a little on the 3rd ($5k CL).
Target does it for me, Walmart does it for me, Lowes does it for me, Macy's does it for me, and Home Depot does it for me. If I didn't get the rewards or deferred interest for these cards than I think I would cut them up. The Walmart MC does nothing for me, so I will not upgrade unless two things happen; 1 they keep the deferred interest for the card and 2 they use the original starting date for the conversion. When this happens the only thing that will prompt me to convert the card will be so I don't have to get offered an upgrade in the future. If I am not getting 1.5% back on every purchase it is because I forgot to pull the right card out of my wallet and that is my fault. Other than that I am always getting at least 1% anyway so the Wally World MV has no actual benefits for me and just about everyone with a rewards card. Why take a hit on your AAoA if you already have a tool that is the same or better?
We should use adjustable wrenches when we don't have a wrench of the size we need. In every situation the right size wrench was made so that it gets the best results. None of this matters when the only tool you have is a hammer.