Credit Cards

[britthester]

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!

[nickn86]

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.

[webhopper]

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

[britthester]

That's good news. I have a student card. Is the policy the same for their student cards?

[webhopper]

It should be....

[maiden_girl]

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.

[nicholasyud]

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.

[sdoonan]

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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.

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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.

[maiden_girl]

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sdoonan wrote:

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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.

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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.

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Lol its ok. IT student apps are up and ready to go tho

[britthester]

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.