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No Brainer to PC from More to IT?

Frequent Contributor

No Brainer to PC from More to IT?

I just wanted to make sure here before I did it, but it seems like a no brainer to PC from More to IT. Account number, etc. stays the same (so no change on the credit reports), you keep the 5% categories w/ $1500 limits, and you get 1% back on every purchase, rather than getting 0.25% on the first $3000 in purchases. Is there something I am missing or is it really a no brainer to switch?

Message 1 of 9
8 REPLIES
Valued Contributor

Re: No Brainer to PC from More to IT?

So far, it is a no brainer! Smiley Happy


Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
Message 2 of 9
Valued Contributor

Re: No Brainer to PC from More to IT?

+1
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 9
Moderator Emeritus

Re: No Brainer to PC from More to IT?

Yup, looks like a no brainer to me!

Starting Score: 504
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EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Message 4 of 9
Moderator Emeritus

Re: No Brainer to PC from More to IT?

Its a no brainer... I made the switch due to the 1% cash back being automatic. No spend threshold to meet.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Message 5 of 9
Contributor

Re: No Brainer to PC from More to IT?

Stupid question from a lazy person...

How do you do the PC and are there any qualifiers for it? 

I've only had my More card since November. 


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 6 of 9
Frequent Contributor

Re: No Brainer to PC from More to IT?


SpeedingWheels wrote:

Stupid question from a lazy person...

How do you do the PC and are there any qualifiers for it? 

I've only had my More card since November. 


You just call and ask for the PC. And there is no time requirement for the PC since there is no AF and APRs, etc. aren't changing (since the account stays the same).

 

I just called and had the PC done in less than 5 minutes! I'm always amazed at how good the Discover CSRs are. And on top of that, I got my $50 check from my price protection claim as well (it's a relatively new benefit)! Discover is making a loyal customer!

Message 7 of 9
Contributor

Re: No Brainer to PC from More to IT?

Ok, that was stupid easy. 

I just called in, spoke to a rep in Ohio for about 30 seconds. Got transferred to Arizona and 3 minutes later I was off the phone with confirmation that my new IT card would be sent via FedEx on the first day of my next billing cycle. 

 

Suhweet! 

 

 

Thx Smiley Happy


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 8 of 9
Blogger

Re: No Brainer to PC from More to IT?

PC is extremely easy but going back is impossible. I'd be cautious.

Message 9 of 9