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Discover More to IT PC questions

Established Contributor

Discover More to IT PC questions

 

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

 

I am thinking of PCing to IT and have a couple of questions.

 

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

 

2. Will the credit history from the More card get carried over to the IT card

 

3. will everything else stay the same? Ex. statement cut date etc.

 

 

Thanks

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 14
13 REPLIES
Established Member

Re: Discover More to IT PC questions


tennisfan78 wrote:

 

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

 

I am thinking of PCing to IT and have a couple of questions.

 

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

 

2. Will the credit history from the More card get carried over to the IT card

 

3. will everything else stay the same? Ex. statement cut date etc.

 

 

Thanks

 

1. No, it won't. I converted to IT right before my 6 months and it gave me the increase (auto-CLI)
2. Yes, it carries over. AFAIK from seeing my credit reports since then, there is no real change to the credit report. It still falls completely under Discover regardless.
3. Everything else with your account should stay the same, mine did. Call and find out for sure.

 

Message 2 of 14
Established Contributor

Re: Discover More to IT PC questions

 

Thanks Jonbo!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 3 of 14
Valued Contributor

Re: Discover More to IT PC questions


Jonbo299 wrote:

tennisfan78 wrote:

 

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

 

I am thinking of PCing to IT and have a couple of questions.

 

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

 

2. Will the credit history from the More card get carried over to the IT card

 

3. will everything else stay the same? Ex. statement cut date etc.

 

 

Thanks

 

1. No, it won't. I converted to IT right before my 6 months and it gave me the increase (auto-CLI)
2. Yes, it carries over. AFAIK from seeing my credit reports since then, there is no real change to the credit report. It still falls completely under Discover regardless.
3. Everything else with your account should stay the same, mine did. Call and find out for sure.

 


+1.  It's just the same number from the More card, moved to an IT card.  Nothing else changes.  You can, in fact technically use both cards until the expiration date, when only the IT card will be valid upon issuance of a new card.  We did that with my More to IT cards, my kids continue to use their retro Sony Tape More cards. 

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 4 of 14
Valued Contributor

Re: Discover More to IT PC questions

I confirm what Jonbo said. PC from More to It is super easy and has no impact on account number, history, CLI schedule or anything else. You just get better benefits and a really cool looking card that comes in a really cool folder.

 

Message 5 of 14
Established Contributor

Re: Discover More to IT PC questions

 

 

Thank you Gunner, Thom!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 14
Valued Contributor

Re: Discover More to IT PC questions

Don't worry, it's super easy with Discover! Smiley Happy It's just considered changing the rewards program for your Discover account.

Message 7 of 14
Established Contributor

Re: Discover More to IT PC questions


kevinjjc wrote:

Don't worry, it's super easy with Discover! Smiley Happy It's just considered changing the rewards program for your Discover account.


Thanks Kevin.

 

Just converted to IT over the chat. It was very straightforward as you all mentioned.  Should be receiving the new card in 4 to 6 days.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 14
Regular Contributor

Re: Discover More to IT PC questions

Is there an inquiry to your credit report? If so, soft or hard?
Starting Score: EQ 651, TU 659 & EX 657
Current Score: EQ 670, TU 696 & EX 686
Goal Score: 850
Message 9 of 14
Established Contributor

Re: Discover More to IT PC questions


Believe1970 wrote:
Is there an inquiry to your credit report? If so, soft or hard?

I asked them if it will require an inquiry, and they said no.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 14