Reply
Regular Contributor
TilltedBrim
Posts: 123
Registered: ‎09-25-2011
0

Discover More vs. Discover IT.... Are the qualifications the same?

Discover More vs. Discover IT.... Are the qualifications the same?  I'm currently still gardening but have decided to try to add either the Discover More or the Dis thecover IT when I come out of the garden.  It would be my first Discover card.....

After falling off the wagon while in the garden... And going 2 for 4 on a drapping spree I've finally received my coveted Discover More. And now I'll limp back to the garden.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?


TilltedBrim wrote:

Discover More vs. Discover IT.... Are the qualifications the same?  I'm currently still gardening but have decided to try to add either the Discover More or the Dis thecover IT when I come out of the garden.  It would be my first Discover card.....


They should have very similar requirements.  By January, the More Card may no longer be available. The IT card and the More card have identical reward structures. The IT card comes with a cool box.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?

I wonder if they will stop sending the box and expeiditing the delivery of the card after it is "officially" launced. Seems like a lot. 

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?


ccb2115 wrote:

I wonder if they will stop sending the box and expeiditing the delivery of the card after it is "officially" launced. Seems like a lot. 


Maybe Discover is trying to Upgrade their image with this box.  I see the box being a permanent addition to this card.  I mean, who doesn't want a cool box!!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
ccb2115
Posts: 190
Registered: ‎11-23-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?


webhopper wrote:

ccb2115 wrote:

I wonder if they will stop sending the box and expeiditing the delivery of the card after it is "officially" launced. Seems like a lot. 


Maybe Discover is trying to Upgrade their image with this box.  I see the box being a permanent addition to this card.  I mean, who doesn't want a cool box!!!


Haha. I love me a good box! But if they actually do replace the MORE with this card (no confirmation yet), that's a lottttttt of boxes that they are going to have to send out. 

My Wallet: Amex PRG, Amex ZYNC, Amex BCE: 1k, Barclays iTunes: 1.2k, Discover IT: 5k, Citi Diamond: 1.8k, Capital One Secured: 600
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?


ccb2115 wrote:

webhopper wrote:

ccb2115 wrote:

I wonder if they will stop sending the box and expeiditing the delivery of the card after it is "officially" launced. Seems like a lot. 


Maybe Discover is trying to Upgrade their image with this box.  I see the box being a permanent addition to this card.  I mean, who doesn't want a cool box!!!


Haha. I love me a good box! But if they actually do replace the MORE with this card (no confirmation yet), that's a lottttttt of boxes that they are going to have to send out. 


They probably got a deal on the boxes where they had a minimum order size of like 1 million boxes.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?

IT may have slight higher qualification standard than More. If you can get More however, you can get IT.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Moderator
Revelate
Posts: 9,486
Registered: ‎12-30-2011
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?

[ Edited ]

trumpet-205 wrote:

IT may have slight higher qualification standard than More. If you can get More however, you can get IT.


I think it does actually; Discover More has been obtainable around 640 FICO for a while, probably several years if a prior pre-approval I was once sent is any indiciation.

 

The rewards are identical, but the fee structure is very different.   There was a discussion on this ~2 months or so ago if I remember right, and someone appropriately pointed out that the no-fee cards (Amex Clear comes to mind) aren't trivial to obtain.

 

TBH I hope it is as easy to get as a More, just noticed when I went looking for the application link that it doesn't have a forex fee, and that'd be a welcome alternative for those of us in the subprime  FICO ranges to Cap One's range of cards.  I'm just not expecting it and am sorta thinking this will be a ~680 approval but I'd love to be proved wrong on that.

 

Sadly I just checked one of the credit databases, Discover pulling two reports is a marginal approval and scores are well north of More approval ranges... though admittedly the description isn't of a pretty report:

 

695$2,100N/AFLN/A2012-08-23

not instant, 5-7 days message, pulled EX=695 &TU=672 both FICO, two PIF CO's, 9 new account. nice rep.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?

I was one of the very first people to get the card on these forums, first to post pics.... I did not get the box, it was inside a overnight envolope.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
thrasher865
Posts: 1,163
Registered: ‎05-21-2008
0

Re: Discover More vs. Discover IT.... Are the qualifications the same?

What's so special about the card if it has the same reward structure as the More card?


Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}