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Which type of unsecured card does discover unsecured upgrade to?

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Subexistence
Established Contributor

Which type of unsecured card does discover unsecured upgrade to?

I called the representative about my secured card and how it would eventually be upgraded. She said it would become an unsecured student card but she didn't know if it would be chrome or it card. 








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


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Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Which type of unsecured card does discover unsecured upgrade to?

It unsecures to the version you had.

Secured chrome to chrome

Secured IT to IT

Mine was a secured chrome and I pc'd to secured IT. Became an unsecured IT

You can change it if you want. It'll update after your next statement
Message 2 of 16
austinguy907
Valued Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?

It should convert to whatever the current "student" offering is at the time of conversion.  Now if you can after conversion switch it to a normal non-student version you would be poised for more growth than you will see on the student version.  

Message 3 of 16
Subexistence
Established Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?


@Anonymous wrote:
It unsecures to the version you had.

Secured chrome to chrome

Secured IT to IT

Mine was a secured chrome and I pc'd to secured IT. Became an unsecured IT

You can change it if you want. It'll update after your next statement

How do you change it?








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 4 of 16
Subexistence
Established Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?


@austinguy907 wrote:

It should convert to whatever the current "student" offering is at the time of conversion.  Now if you can after conversion switch it to a normal non-student version you would be poised for more growth than you will see on the student version.  


How do I get non-student version?








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 5 of 16
austinguy907
Valued Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?

Product change it when it converts.  I'm fairly sure they'll be able to do that unless of course you're still a student.

Message 6 of 16
Subexistence
Established Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?


@austinguy907 wrote:

Product change it when it converts.  I'm fairly sure they'll be able to do that unless of course you're still a student.


I'm freshman so I'll be a student for a while. 








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 7 of 16
austinguy907
Valued Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?

Dig through the minimum income requirements to see what the threshold is for the other cards.  I think the Student one lets you make significantly less while in school and ther others might start out at 18K/yr or somewhere around there.

Message 8 of 16
creditguy
Valued Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?


@Subexistence wrote:

@austinguy907 wrote:

It should convert to whatever the current "student" offering is at the time of conversion.  Now if you can after conversion switch it to a normal non-student version you would be poised for more growth than you will see on the student version.  


How do I get non-student version?


Simply hop on chat and ask to change your cards reward structure from the chrome to the regular it card. I did it myself and it took all of five minutes. 

Message 9 of 16
Subexistence
Established Contributor

Re: Which type of unsecured card does discover unsecured upgrade to?


@austinguy907 wrote:

Dig through the minimum income requirements to see what the threshold is for the other cards.  I think the Student one lets you make significantly less while in school and ther others might start out at 18K/yr or somewhere around there.


Actually I might stay for the good grades reward.








Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-795,Eq08-807,Tu08-787,EX98-761,Eq04-742
Goal Score: Ex98-760,Eq04-760


Take the myFICO Fitness Challenge

History of my credit
Message 10 of 16
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