topic Re: Discover It Upgrade? in Credit Cards

Discover It Upgrade?

britthester — Tue, 01 Jan 2013 23:45:16 GMT

Hey friends. I have been on the forum for a little while now, and I saw a post today that said something about Discover canceling their Discover More program and adopting the Discover It model. Does anyone have any information on this news? I would love to upgrade to Discover It, but I'm afraid of taking a credit hit. Does anyone know if you can upgrade your card without taking a credit inquiry? Just looking for some clarification. Thanks!

Re: Discover It Upgrade?

nickn86 — Tue, 01 Jan 2013 23:47:05 GMT

There's no credit it for the product change. You can convert the card in a few minutes through the online chat feature on Discover's website.

Re: Discover It Upgrade?

webhopper — Tue, 01 Jan 2013 23:49:29 GMT

There is no hard inquiry to upgrade and you keep the same account number... they will upgrade after your next statement.

You can also call to upgrade. 1800 discover

Re: Discover It Upgrade?

britthester — Tue, 01 Jan 2013 23:50:18 GMT

That's good news. I have a student card. Is the policy the same for their student cards?

Re: Discover It Upgrade?

webhopper — Tue, 01 Jan 2013 23:51:51 GMT

It should be....

Re: Discover It Upgrade?

maiden_girl — Wed, 02 Jan 2013 00:05:52 GMT

It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

Re: Discover It Upgrade?

nicholasyud — Wed, 02 Jan 2013 01:59:12 GMT

call customer service
thorugh online chat

It only take 30 second to get product change and every thing stay the same without any hard pull or new account.

Re: Discover It Upgrade?

sdoonan — Wed, 02 Jan 2013 02:51:39 GMT

maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.

Re: Discover It Upgrade?

maiden_girl — Wed, 02 Jan 2013 02:52:47 GMT

sdoonan wrote:
maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.
~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.

Lol its ok. IT student apps are up and ready to go tho :)

Re: Discover It Upgrade?

britthester — Wed, 02 Jan 2013 03:05:08 GMT

Thank you all very much. I appreciate it. I will probably change it tomorrow through the online chat feature or I will call a customer service rep. I'm looking forward to the baseline 1% cash back with the 5% rotating categories. I was thinking of applying for Chase Freedom in the new year, but if I am able to get essentially the same rewards through Discover, then I might hold off on applying.

Re: Discover It Upgrade?

britthester — Wed, 02 Jan 2013 19:20:13 GMT

I just used Discover's online chat feature and upgraded to Discover It! Thanks for all your comments and advice. I would never have upgraded had it not been for this forum. Thanks everyone!

Re: Discover It Upgrade?

JollehRoger — Wed, 02 Jan 2013 19:42:37 GMT

maiden_girl wrote:
sdoonan wrote:
maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.
~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.
Lol its ok. IT student apps are up and ready to go tho :)

I should've waited then. When I did it they told me the Student version wasn't ready yet. Oh well, technically an upgrade I guess. Anyone know if you really can't PC to any other card? Seems odd that they would do that and when I PC'd they never mentioned it.

Re: Discover It Upgrade?

HiLine — Thu, 03 Jan 2013 22:11:08 GMT

JollehRoger wrote:
maiden_girl wrote:
sdoonan wrote:
maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.
~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.
Lol its ok. IT student apps are up and ready to go tho :)
I should've waited then. When I did it they told me the Student version wasn't ready yet. Oh well, technically an upgrade I guess. Anyone know if you really can't PC to any other card? Seems odd that they would do that and when I PC'd they never mentioned it.

Once you have converted to the It, that's the end.