Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 268
Registered: ‎08-20-2012
0

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. . .
Valued Contributor
Posts: 1,708
Registered: ‎03-24-2013
0

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

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
Valued Member
Posts: 34
Registered: ‎10-11-2013
0

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
Posts: 17,101
Registered: ‎08-08-2011
0

Re: Discover More to Discover It Conversion

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

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Frequent Contributor
Posts: 268
Registered: ‎08-20-2012
0

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. . .
Community Leader
Senior Contributor
Posts: 5,410
Registered: ‎11-13-2012
0

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
Move the mouse over the cards for detailed view!
.. Last HP 05 JAN 2016 ..
Valued Contributor
Posts: 1,897
Registered: ‎01-23-2013
0

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.

 

Regular Contributor
Posts: 206
Registered: ‎11-11-2013
0

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.
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

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?
Valued Contributor
Posts: 1,708
Registered: ‎03-24-2013
0

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

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.