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New Contributor
britthester
Posts: 62
Registered: ‎12-18-2012

Discover It Upgrade?

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!
Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012

Re: Discover It Upgrade?

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.

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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Discover It Upgrade?

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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New Contributor
britthester
Posts: 62
Registered: ‎12-18-2012

Re: Discover It Upgrade?

That's good news. I have a student card. Is the policy the same for their student cards?
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Discover It Upgrade?

It should be....

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Discover It Upgrade?

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.

The truth is out there...
FICO scores: 740 (EQ) 738 (EX) 750 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Discover It Upgrade?

  1. call customer service
  2. 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.


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

Contributor
sdoonan
Posts: 85
Registered: ‎12-24-2011

Re: Discover It Upgrade?

[ Edited ]

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.

Cards: CitiForward for Students (2K, opened 8/2009), Discover More for Students (1K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Student Journey Rewards (1k, opened 11/2011)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: EQ 719, TU 674 (both FICO|1/5/13)

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Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Discover It Upgrade?


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 :smileyhappy:

The truth is out there...
FICO scores: 740 (EQ) 738 (EX) 750 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
New Contributor
britthester
Posts: 62
Registered: ‎12-18-2012

Re: Discover It Upgrade?

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.

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