Re: Discover It Upgrade?

britthester · ‎12-18-2012

Hey friends. I have been on the forum for a little while now, and I saw a post today that said something about Discover canceling their Discover More program and adopting the Discover It model. Does anyone have any information on this news? I would love to upgrade to Discover It, but I'm afraid of taking a credit hit. Does anyone know if you can upgrade your card without taking a credit inquiry? Just looking for some clarification. Thanks!

nickn86 · ‎11-26-2012

There's no credit it for the product change. You can convert the card in a few minutes through the online chat feature on Discover's website.

webhopper · ‎09-16-2011

There is no hard inquiry to upgrade and you keep the same account number... they will upgrade after your next statement.

You can also call to upgrade. 1800 discover

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
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britthester · ‎12-18-2012

That's good news. I have a student card. Is the policy the same for their student cards?

webhopper · ‎09-16-2011

It should be....

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!

Take the myFICO Fitness Challenge

maiden_girl · ‎12-29-2011

It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

The truth is out there...

nicholasyud · ‎08-13-2012

call customer service
thorugh online chat

It only take 30 second to get product change and every thing stay the same without any hard pull or new account.

sdoonan · ‎12-24-2011

maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.

Cards: CitiForward for Students (2K, opened 8/2009), Discover More for Students (1K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Student Journey Rewards (1k, opened 11/2011)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: EQ 719, TU 674 (both FICO|1/5/13)

Last App: 1/3/13 - In the garden until further notice.

maiden_girl · ‎12-29-2011

sdoonan wrote:
maiden_girl wrote:
It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.
~~I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in.~~ EDIT: Ignore that, I'm an idiot.

Lol its ok. IT student apps are up and ready to go tho

The truth is out there...

britthester · ‎12-18-2012

Thank you all very much. I appreciate it. I will probably change it tomorrow through the online chat feature or I will call a customer service rep. I'm looking forward to the baseline 1% cash back with the 5% rotating categories. I was thinking of applying for Chase Freedom in the new year, but if I am able to get essentially the same rewards through Discover, then I might hold off on applying.