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Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010

No Brainer to PC from More to IT?

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‎01-02-2013 08:16 AM

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?

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daybreakgonesXe
Posts: 742
Registered: ‎11-17-2012

Re: No Brainer to PC from More to IT?

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‎01-02-2013 08:17 AM

So far, it is a no brainer! :smileyhappy:

photo creditsiggy_zps3dd006fd.png
EQ FICO 730 Credit Karma (TU) 5/6/13 763 Transrisk 5/14/13 849/990 CreditSesame (EX) 5/8/13 779 Credit.com (EX) 5/7/13 758/900 FICO Estimate 760 Vantage Estimate 832/990
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jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: No Brainer to PC from More to IT?

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‎01-02-2013 08:19 AM

+1
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / 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 (601) / PayPal Smart connect (2200)
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Shogun
Posts: 7,374
Registered: ‎04-15-2011

Re: No Brainer to PC from More to IT?

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‎01-02-2013 10:14 AM

Yup, looks like a no brainer to me!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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webhopper
Posts: 6,777
Registered: ‎09-16-2011

Re: No Brainer to PC from More to IT?

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‎01-02-2013 10:23 AM

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 (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


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SpeedingWheels
Posts: 245
Registered: ‎08-06-2012

Re: No Brainer to PC from More to IT?

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‎01-02-2013 10:37 AM

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 ($2000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($2500) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($937?)
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scientifics
Posts: 411
Registered: ‎05-01-2010

Re: No Brainer to PC from More to IT?

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‎01-02-2013 10:56 AM

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!

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SpeedingWheels
Posts: 245
Registered: ‎08-06-2012

Re: No Brainer to PC from More to IT?

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‎01-02-2013 11:20 AM

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 :smileyhappy:


Walmart ($2000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($2500) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($937?)
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HiLine
Posts: 1,625
Registered: ‎10-19-2012

Re: No Brainer to PC from More to IT?

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‎01-03-2013 02:09 PM

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

---> HiLine's personal finance blog - Follow my journey!  :smileylol:


-Taking a break from the forums from 4/23/2013 :smileysad:
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