Well it happened too me today a screened poped up and said you can be upgraded too a walmart/discover card just accept it so I did and got a CLI on acceptance, new card will be here and 7 to 10 days.
That's awesome. Hope they spread the love my way even though I barely use the card.
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Grats, how long have you had before the upgrade? Hope they do it for mine soon... can't complain every 4 months +400 for now
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I sort of wish I almost didn't upgrade to WalMart Discover.
I started my WalMart card with some real small number. I think like $200. It was my first card out of bankruptcy.
It went up every four months like clockwork - no problem, no effort, just hit the button - as everyone on here says GE cards do.
Within a year or two, I had gotten it up to like $1400-1600 and I received a preapproval in the mail to upgrade to WalMart Discover with a CLI. I accepted, of course.
That was a couple or so years ago, I believe. NEVER a CLI since. I've tried at least 5 times on the website, and I tried calling once. Stuck at $3,000 forever.
I use the card each month for about $1k worth of things, and pay it off in full!! No late pays, no reasons for denial. The reasons on the letter are things like "bankruptcy" that I had when I was getting credit increases every 4 months. I've asked the people on the phone if the Discover WalMart card just doesn't follow the same 4 month pattern and they all act like they don't even know what 4 month CLI pattern I'm talking about. They say GE makes a decision each time based on credit scores.
The limits on all of my other cards are higher at this point so I've almost learned to just accept it but it's kind of disappointing. Yes, I jumped to $3k, but if I'd stuck with the original card, I probably would've surpassed that by now...
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All banks have a max exposure limit based on credit risk. Sounds like your bankruptcy has turned them away for higher CLI's. Your credit profile needs to show less risk. Less Risk = higher credit limits, More Risk = Less. Obviously a bankruptcy is high risk/.