09-04-2012 05:52 AM
Didn't you read the thread!?!?!? It comes in a box!!!
I've already got a box at home.
09-04-2012 10:20 AM - edited 09-04-2012 10:46 AM
'It' does seem to have tougher underwriting requirements than more, albeit in the context of a very limited sample size.
For those with borderline scores that want the it card, I would recommend apping for more and then pc'ing to it shortly thereafter. All indications are that a pc to the it is virtually guaranteed , even for those who have been with discover for very short periods of time.
09-04-2012 10:25 AM
I'm always a sucker for a cool box... the Amazon box is cool, with the smiley-face; and who didn't love the Gateway cow boxes? LOL
10-15-2013 06:16 AM - edited 10-15-2013 06:44 AM
So is it possible to have both the More card AND the IT card?
I have the More card which I got about 25 months ago. I have a CL of $7800. I just paid off the balance that I had on it of $4500 so now it's got a 0% UT.
I've been hoping to get a new BT offer but haven't had one since going back to last January. The BT offers are great, and since I'm not getting them anymore which I find really wierd, I'm thinking of applying for the IT card so that I can use IT to do my BT's on for my other cards.
My scores are in the 710 range.
So is it a good idea to apply for the IT card?
Can I have both an IT and a MORE card?
EDIT: I just thought of something, what if I were to ask Discover to upgrade my More card to the IT card, would I possibly get the BT offers that come with getting a new card, even though it's a new card but same account?
10-15-2013 08:48 AM
10-15-2013 02:48 PM - edited 10-15-2013 02:50 PM
I think I may go ahead and try and apply for the IT card in the next day or 2.
I mean afterall, Discover gave me the More card 2 years ago when my credit was much much worse. Seems like I should have NP getting an IT card, right?
I need a good balance transfer offer and for whatever reason I'm not getting em anymore on my More card.
BTW what's a PC? That's a new 1 to me.
10-15-2013 09:07 PM
PC means "product change". If Discover were to convert your existing More account to the It, that would be called a product change. But for the reason MoreRewards described, this might not have the result you're after.
10-15-2013 09:35 PM
I did not get the box...and I PC'ed from the More to the It about a month ago.
10-25-2013 02:02 PM
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.
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.