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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Discover IT

I just activated my card today. Think about switch my card to Discover IT.

Should i do it ???

Some of you guys already own one. Do you guys like it ??? i love the look and some extra benefit but is it worth it to switch ??


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Discover IT

I switch to the IT before my first month ended lol i think it worth it and the card its better looking in my opinion. Some people here dont like it because theres only one card design.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Discover IT

did you have problem with payment ??? i heard they process the payment longer like 2 3 days...


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Discover IT

Yeah the payment takes a little longer to process but never more than 3 days(at least for me it doesnt).
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Discover IT


jsickz32 wrote:
Yeah the payment takes a little longer to process but never more than 3 days(at least for me it doesnt).

it's for the fund available or for the payment post to your account ??? I think the More post on the next bussiness day,

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Discover IT

Both. Like i said i never had my more for a complete month or used it in that month so idk. My freedom account takes the same time. So far amex, citi, bofa and barclays are they only ones that release funds after 24 hours
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Discover IT

Actually citi and bofa process and release funds right away when i make payments at the branch
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
sakhalin070
Posts: 292
Registered: ‎08-28-2012

Re: Discover IT

I really like the design of the IT.  It's essentially the same card as More with a few more perks.  I don't really need those perks though since I'm never late and I always PIF.  The design is awesome, but its only one design after all...

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011

Re: Discover IT

I actually regret changing to the IT card.  I love the Dawn of Discover card too much.  I actually have 2 mint condition Dawn of Discover cards that are still active till 2016 lol.  I have the regular DoD and the bio - degradable DoD.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Senior Contributor
score_building
Posts: 3,509
Registered: ‎01-10-2008

Re: Discover IT

[ Edited ]

flowfaster wrote:

I actually regret changing to the IT card.  I love the Dawn of Discover card too much.  I actually have 2 mint condition Dawn of Discover cards that are still active till 2016 lol.  I have the regular DoD and the bio - degradable DoD.


Recieved several preapprovals for the More even after converting to IT, app and approved, so have both cards. Love having all the More card options and the IT card is sweet too; won't use the extra IT benes but can't hurt. Also, served as a sorta 'back door' exposure limit increase with DIscover-they denied IT CLI but approved for a nice limit on the new More app. Go figure. Best of both worlds to me, since I like Discover, no regrets, except the new acct hit on AAoA, which is no biggie really, especially in the long run.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)

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