topic Reward Program Change? From Discover Miles to Discover It in Credit Cards

Reward Program Change? From Discover Miles to Discover It

Anonymous — Mon, 25 Jun 2018 19:55:12 GMT

Anyone has experience to switch reward program with Discover?

I am currently have a Discover Miles, but I would like to switch to Discover It since It has 5% cash back each quarter with different categories.

Does Discover allow this? If they do, is they going to pull a credit report and/or credit score? Soft pull? Hard pull? or simiply a reward program changed?

Thanks in advance.

Re: Reward Program Change? From Discover Miles to Discover It

Np1791 — Mon, 25 Jun 2018 20:04:55 GMT

@Anonymous wrote:
Anyone has experience to switch reward program with Discover?
I am currently have a Discover Miles, but I would like to switch to Discover It since It has 5% cash back each quarter with different categories.

Does Discover allow this? If they do, is they going to pull a credit report and/or credit score? Soft pull? Hard pull? or simiply a reward program changed?

Thanks in advance.

In order to convert the card from IT to miles your card has to be a year old but I'm not sure if it's the same the other way around. No hardpull is required. If your account is eligible then they'll do it. You can try through chat.

Re: Reward Program Change? From Discover Miles to Discover It

Anonymous — Mon, 25 Jun 2018 20:53:19 GMT

@Np1791 wrote:
@Anonymous wrote:
Anyone has experience to switch reward program with Discover?
I am currently have a Discover Miles, but I would like to switch to Discover It since It has 5% cash back each quarter with different categories.

Does Discover allow this? If they do, is they going to pull a credit report and/or credit score? Soft pull? Hard pull? or simiply a reward program changed?

Thanks in advance.
In order to convert the card from IT to miles your card has to be a year old but I'm not sure if it's the same the other way around. No hardpull is required. If your account is eligible then they'll do it. You can try through chat.

Thanks. Just want to make sure no hard pull.

Re: Reward Program Change? From Discover Miles to Discover It

Anonymous — Mon, 25 Jun 2018 21:10:11 GMT

@Anonymous wrote:
Anyone has experience to switch reward program with Discover?
I am currently have a Discover Miles, but I would like to switch to Discover It since It has 5% cash back each quarter with different categories.

Does Discover allow this? If they do, is they going to pull a credit report and/or credit score? Soft pull? Hard pull? or simiply a reward program changed?

Thanks in advance.

Converted my card and no problems from the Discover Miles to the Discover It. No HP in the bureaus either. Assume it is considered a product change.

Re: Reward Program Change? From Discover Miles to Discover It

wingennis — Tue, 26 Jun 2018 00:38:25 GMT

I switched from Chrome to IT about 3 months after opening the account. I realized my spend didn't match the program. It was really easy, no HP or SP. The CSR even mentioned that the IT was a better fit because she could see my spend pattern. I'll just pretend that isn't creepy and appreciate that they made the change so soon after getting the card.