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Frequent Contributor
7PM789
Posts: 255
Registered: ‎08-20-2012

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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .


Established Contributor
Luscher
Posts: 756
Registered: ‎03-24-2013

Re: Discover More to Discover It Conversion

[ Edited ]

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

Valued Member
blackhawk2
Posts: 34
Registered: ‎10-11-2013

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.
Mega Contributor
coldnmn
Posts: 11,208
Registered: ‎08-08-2011

Re: Discover More to Discover It Conversion

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

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank $10,000 / Sam's Mastercard $8000
/ Walmart Discover $8000 / Discover IT $5000 / Care Credit $5000
PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 10/25/13 /
Frequent Contributor
7PM789
Posts: 255
Registered: ‎08-20-2012

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 - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $7.5k - Sam's Club Discover - $10k -
Walmart Discover - $7.5k - Citi T.Y.P. - $5.5k - Chase Freedom - $2.2k -
W.M.TU-775(July/14/) EQ-726(July/12) EX-753(Jan/13)
Audi, Vide, Tace. . .


Valued Contributor
lg8302ch
Posts: 2,481
Registered: ‎11-13-2012

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 :smileyhappy:
FICO® EQ 784 (as of today) - TU 771 (07/25) * Fako EX 799 (07/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Bronze Spade Garden Club member *
Valued Contributor
Gunnar419
Posts: 1,129
Registered: ‎01-23-2013

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 :smileyhappy:

+1

 

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

 

Valued Member
Jansroom726
Posts: 45
Registered: ‎11-11-2013

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. :smileyhappy:

 

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.

Age = 23 | Current scores around 715 | Income = $40k | No baddies or lates
Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

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 :smileylol:

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Established Contributor
Luscher
Posts: 756
Registered: ‎03-24-2013

Re: Discover More to Discover It Conversion

no the 0 percent offer is only available for new customers

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