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Discover More to Discover It Conversion

Frequent Contributor

Discover More to Discover It Conversion

Would it be worth it to ask for a product change to convert my Discover More card in to a Discover It card?

Can anyone who has done this inform me of wether or not my open date would change?

Are there any advantages or disadvantages to this if I go through with it?

I'm interested in the fico score that the It card is now offering.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 1 of 18
17 REPLIES
Valued Contributor

Re: Discover More to Discover It Conversion

Its an easy process you just call and they do it for you. Nothing changes except you get a new card and more benefits

 

the numbers on my card were exactly the same also

CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 2 of 18
Valued Member

Re: Discover More to Discover It Conversion

+1

Amex BCE 18k I Amex SPG 6k I CSP 8k I Chase Marriott 7k I Discover It 3.5k I Chase Freedom 2.1k

EX: 735 | EQ: 767 | TU: 770

Credit cards are great when you don't need them.
Message 3 of 18
Mega Contributor

Re: Discover More to Discover It Conversion

Painless process. The biggest advantage 1% from the first dollar spent unlike the More card.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4 of 18
Frequent Contributor

Re: Discover More to Discover It Conversion

So the consensus is to go through with the product change because there is no disadvantage?

I don't see any real difference between the two except the difference in the rewards structure

( Tiered / %5 vs. %1 / %5)
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 5 of 18
Senior Contributor

Re: Discover More to Discover It Conversion

absolutely no disadvantage...if you have your own card image it remains valid until the card expiration...so my card is actually the physical More and the account is the IT...Just do it Smiley Happy
Message 6 of 18
Valued Contributor

Re: Discover More to Discover It Conversion


lg8302ch wrote:
absolutely no disadvantage...if you have your own card image it remains valid until the card expiration...so my card is actually the physical More and the account is the IT...Just do it Smiley Happy

+1

 

There's no reason not to do it. It takes about two minutes and changes nothing, except you get better rewards.

 

Message 7 of 18
Regular Contributor

Re: Discover More to Discover It Conversion

Just did this at work on my lunch break via online chat today. Done in less than 5 min. Smiley Happy

 

Does anyone know if we could be eligible for the 0% apr again? If not, think there would be any luck to calling the EO?

If not, no biggie.

25 years old. Scores around 740. Income = 45K. Chase Car Loan @ 2.4%, AAOA = 2 years. Total Personal CL = 120k.
Message 8 of 18
Super Contributor

Re: Discover More to Discover It Conversion

No lines no waiting this is one of the easiest PC's to do 

A phone call and 3 minutes later Congrats it a boy Discover IT Smiley LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 18
Valued Contributor

Re: Discover More to Discover It Conversion

no the 0 percent offer is only available for new customers
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 10 of 18