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Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Discover IT + Amex

i just get my product change from Discover More to Discover It by one simple phone call. Cost me about 5 mins. the lady voice so sweet. She explain all the benefit and stuff.Now i just have to wait for my card to arrive next month cycle cut. teehee

 

On the other hand i sent Amex a secured message for a product change but no love. they said i have to apply for it. Anyone had success doing Pc wihh Amex !!!!?? Please help........


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


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Discover IT + Amex

What's the PC you're trying for with AMEX?

 

Also, what are the advantages of More => IT?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Discover IT + Amex


Jutz wrote:

What's the PC you're trying for with AMEX?

 

Also, what are the advantages of More => IT?


no late fee on your first late payment, no forign transaction fee (although I would quesiton how many take discover internationally is questionable) , won't raise your apr for being late, US Based call centers.

 

https://www.discover.com/credit-cards/index-beyond.html?gcmpgn=0712_ZZ_srch_gsap_txt


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
New Contributor
LilNYC
Posts: 184
Registered: ‎07-08-2012
0

Re: Discover IT + Amex

Fyi- all Discover cards offer no foreign transaction fees & us based call centers.
Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012
0

Re: Discover IT + Amex

[ Edited ]

So wait....am I the only who switch to the IT because it looks so darn sexy? 

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
0

Re: Discover IT + Amex

Diners Club is part of the Discover Network. So you can use Discover in mayn places in Europe.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Established Contributor
Cdnewmanpac
Posts: 766
Registered: ‎01-16-2012
0

Re: Discover IT + Amex

Many people have gotten PCs with Amex. Some keys are: if you are PCing a charge product to a more expensive charge product, you must wait at least a year. If you are PCing a revolving product to another revolving product, it must be to a card with similar underwriting (or you must meet the criteria for both). It is possible that a targeted "upgrade" offer that waived the annual fee difference for a year might be possible, but the card act prohibits changing to a product with a higher annual fee within the first year.

 

So you could PC your Green to Gold/PRG/Platinum any time after the account is 1 year old.

 

Since the Delta Gold is generally considered to have lower underwriting standards than any other revolver, PCing that to something else outside the Delta family may not be possible for you. Within the Delta family, you should be able to PC without issue after a year. Also, keep in mind that you couldn't PC to a card with a higher interest rate within the first year, either. So if, for example, you qualify for 15.24 on your Delta card, but would get 17.99 on a hilton card, you couldn't PC in the first year. Card act again.

 

Now back to discussions about Discover IT benefits...

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Discover IT + Amex

one phone call 5 mins and thank you Mr Nicholas your new Blue Cash Everyday should be arrived from 7 to 10 days .........Hoooorayyyyyy............both product change 1 day........yahhhhhhh

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


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Discover IT + Amex

Nice! That was easy..congratz!

Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Discover IT + Amex

@Goldenloveny
No, i also PCd to IT just because its sexy!
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)

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