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Discover IT + Amex

Valued Contributor

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

Message 1 of 11
10 REPLIES
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 2 of 11
Established Contributor

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
Message 3 of 11
New Contributor

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
Message 4 of 11
Regular Contributor

Re: Discover IT + Amex

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
Message 5 of 11
Established Contributor

Re: Discover IT + Amex

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

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 6 of 11
Established Contributor

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.
Message 7 of 11
Valued Contributor

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

Message 8 of 11
Established Contributor

Re: Discover IT + Amex

Nice! That was easy..congratz!

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 9 of 11
Valued Contributor

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)
Message 10 of 11