Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 243
Registered: ‎11-15-2011
0

Re: Discover IT conversion

I think I will fire a new application for IT other than PC, since too much conflicting informantion now and it is best to keep current More card.

Regular Contributor
Posts: 169
Registered: ‎03-29-2012
0

Re: Discover IT conversion

Why is everyone so afraid to let go of the More card?  I'm seriously confused.  The IT card carries every benfit of the More plus some.  So why would anyone worry about it?


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Discover IT conversion


jtc411 wrote:

Why is everyone so afraid to let go of the More card?  I'm seriously confused.  The IT card carries every benfit of the More plus some.  So why would anyone worry about it?


Mostly because you can´t go back.

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Regular Contributor
Posts: 169
Registered: ‎03-29-2012
0

Re: Discover IT conversion


CruzImperial wrote:

jtc411 wrote:

Why is everyone so afraid to let go of the More card?  I'm seriously confused.  The IT card carries every benfit of the More plus some.  So why would anyone worry about it?


Mostly because you can´t go back.

 


I get that, but why would anyone want/need to?

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 352
Registered: ‎07-13-2012
0

Re: Discover IT conversion


jtc411 wrote:

CruzImperial wrote:

jtc411 wrote:

Why is everyone so afraid to let go of the More card?  I'm seriously confused.  The IT card carries every benfit of the More plus some.  So why would anyone worry about it?


Mostly because you can´t go back.

 


I get that, but why would anyone want/need to?

 


+1 I see no reason to go back unlesto having the option to choose a card is that important. 

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Highlighted
Valued Member
Posts: 39
Registered: ‎06-27-2012
0

Re: Discover IT conversion

I just converted mine. It appears that you get more options with the IT card. I don't see any disadvantages




Starting Score: 565
Current Score: 660
Goal Score: 780

New Contributor
Posts: 64
Registered: ‎06-28-2012
0

Re: Discover IT conversion

I'm not too worried because currently the IT is the best card Discover offers. With the exception of maybe design choices. If and when a better Discover card comes out in one, two, five years, by that time I'm sure we could PC to it. We will always have a back door number to call and absolute worst case we can app for a second card.  Don't see them locking us down forever. They probably want to phase out the More to some degree.

Super Contributor
Posts: 6,677
Registered: ‎04-07-2008
0

Re: Discover IT conversion


Essence wrote:

I'm not too worried because currently the IT is the best card Discover offers. With the exception of maybe design choices. If and when a better Discover card comes out in one, two, five years, by that time I'm sure we could PC to it. We will always have a back door number to call and absolute worst case we can app for a second card.  Don't see them locking us down forever. They probably want to phase out the More to some degree.


That's what I was thinking too. The IT is better than the more and most likely the perks were bumped up to try to compete with some of the other primes while phasing out the More.




Contributor
Posts: 143
Registered: ‎04-11-2012
0

Re: Discover IT conversion

I was approved for More last week, and PC to the IT yesterday before even recieving my More card. I will officially be switched to the IT after this bill cycle is over.

 

Honestly I switched to the IT based soley on the IT card design.

IT (11500 CL), Freedom (5000 CL), Zync (500 CL), PFCU (500 CL)

Starting Score: 699 EQ (4/11/12)
Current Score: 761 EQ (8/15/12)
Goal Score: 800+ EQ
Regular Contributor
Posts: 234
Registered: ‎08-04-2012
0

Re: Discover IT conversion


jtc411 wrote:

Why is everyone so afraid to let go of the More card?  I'm seriously confused.  The IT card carries every benfit of the More plus some.  So why would anyone worry about it?


I don't want to be stuck with one card design. With the More I can order as many cards and designs as I want. Plus my favorite design is the Dawn of Discover. Here it is:

 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.