topic Re: Discover & Cap One 100% Integration in Credit Cards

Discover & Cap One 100% Integration

Cory88 — Wed, 17 Dec 2025 00:58:27 GMT

Has anyone seen when Discover & Cap 1 will have everything on one website? I called and they said by the end of 2025.

Re: Discover & Cap One 100% Integration

crystal626 — Wed, 17 Dec 2025 03:05:07 GMT

I got a message about this. One of my cards is moving on January 26th. The other will be notified later.

Re: Discover & Cap One 100% Integration

gdale6 — Thu, 18 Dec 2025 04:56:20 GMT

They best not, i wont own a cap 1 card, ill blow off a 15 yr old card..

Re: Discover & Cap One 100% Integration

zerofire — Fri, 19 Dec 2025 04:51:11 GMT

@gdale6 wrote:
They best not, i wont own a cap 1 card, ill blow off a 15 yr old card..

Easy there. It never hurts to have a single login and dashboard. Although they are canceling their Discover dark web protection to do it. And losing ebills. Capital One giveth, Capital One taketh away. They could have been nicer.

Re: Discover & Cap One 100% Integration

DoppelgangerD — Fri, 19 Dec 2025 05:14:23 GMT

@zerofire wrote:
@gdale6 wrote:
They best not, i wont own a cap 1 card, ill blow off a 15 yr old card..
Easy there. It never hurts to have a single login and dashboard. Although they are canceling their Discover dark web protection to do it. And losing ebills. Capital One giveth, Capital One taketh away. They could have been nicer.

So many losing their **bleep** over losing that feature, but doesn't Creditwise offer the same thing too?

I think when CreditWise changed from Vantage Scores to TU Fico scores, it basically just adopted the same service that Discover offered.

Re: Discover & Cap One 100% Integration

zerofire — Fri, 19 Dec 2025 15:42:18 GMT

@DoppelgangerD wrote:
@zerofire wrote:
@gdale6 wrote:
They best not, i wont own a cap 1 card, ill blow off a 15 yr old card..
Easy there. It never hurts to have a single login and dashboard. Although they are canceling their Discover dark web protection to do it. And losing ebills. Capital One giveth, Capital One taketh away. They could have been nicer.
So many losing their **bleep** over losing that feature, but doesn't Creditwise offer the same thing too?
I think when CreditWise changed from Vantage Scores to TU Fico scores, it basically just adopted the same service that Discover offered.

Creditwise is just credit scores. It also is just a number Capital One is making out of thin air, not even Vantage scores. Discover Dark Web Protection is where Discover checks if your records have leaked on the dark web and files claims at brokers to remove your data from their database. Nowhere near the same thing and much more valuable. I now have to think if I have to pay a company to do the protection or not as Discover will be stopping it next month.

Re: Discover & Cap One 100% Integration

Vinjints — Fri, 19 Dec 2025 15:53:05 GMT

From Credit Wise:

The score provided in CreditWise is a FICO Score 8 based on TransUnion data. It ranges from 300 - 850, and higher scores are considered better scores.

The FICO Score 8 gives you a good sense of your credit health, but it may not be the same score model used by your lender or creditor.

Re: Discover & Cap One 100% Integration

BrutalBodyShots — Fri, 19 Dec 2025 16:10:47 GMT

@zerofire wrote:
Creditwise is just credit scores. It also is just a number Capital One is making out of thin air, not even Vantage scores.

Both of these points above are inaccurate.

It's not just scores, as it provides some of the same stuff you'd expect to see from other CMS sources.

Second, Capital One doesn't make scores out of thin air. They provide a FICO 8 score based on TransUnion data. FICO 8 is the most commonly used/relevant score today. It's the same exact score that one would get through their Discover account, BoA account, Barclays account, etc. TransUnion FICO 8. It's not made up by any stretch of the imagination.

Re: Discover & Cap One 100% Integration

crystal626 — Sat, 20 Dec 2025 00:34:43 GMT

@BrutalBodyShots wrote:
@zerofire wrote:
Creditwise is just credit scores. It also is just a number Capital One is making out of thin air, not even Vantage scores.
Both of these points above are inaccurate.

It's not just scores, as it provides some of the same stuff you'd expect to see from other CMS sources.

Second, Capital One doesn't make scores out of thin air. They provide a FICO 8 score based on TransUnion data. FICO 8 is the most commonly used/relevant score today. It's the same exact score that one would get through their Discover account, BoA account, Barclays account, etc. TransUnion FICO 8. It's not made up by any stretch of the imagination.

And to the point, before the recent conversion to FICO 8 after the Disco purchase, it was VantageScore 3.

Re: Discover & Cap One 100% Integration

Jessie — Sat, 20 Dec 2025 00:38:21 GMT

Are they really going to give up one of those domains? I'll take discover.com if they don't want it

Re: Discover & Cap One 100% Integration

DoppelgangerD — Sat, 20 Dec 2025 01:37:25 GMT

To add to the above points, I literally just got an alert from Creditwise a week ago...

Dark Web Alert

Compromised email address >

Dec 8, 2025

So yeah, FICO 8 score and dark web monitoring 😉

Re: Discover & Cap One 100% Integration

AndrewF — Wed, 07 Jan 2026 05:08:15 GMT

@zerofire wrote:
@DoppelgangerD wrote:
@zerofire wrote:
@gdale6 wrote:
They best not, i wont own a cap 1 card, ill blow off a 15 yr old card..
Easy there. It never hurts to have a single login and dashboard. Although they are canceling their Discover dark web protection to do it. And losing ebills. Capital One giveth, Capital One taketh away. They could have been nicer.
So many losing their **bleep** over losing that feature, but doesn't Creditwise offer the same thing too?
I think when CreditWise changed from Vantage Scores to TU Fico scores, it basically just adopted the same service that Discover offered.
Creditwise is just credit scores. It also is just a number Capital One is making out of thin air, not even Vantage scores. Discover Dark Web Protection is where Discover checks if your records have leaked on the dark web and files claims at brokers to remove your data from their database. Nowhere near the same thing and much more valuable. I now have to think if I have to pay a company to do the protection or not as Discover will be stopping it next month.

Creditwise gives me my TransUnion FICO 8 score because that's what Discover has.

Re: Discover & Cap One 100% Integration

AndrewF — Wed, 07 Jan 2026 05:10:31 GMT

@DoppelgangerD wrote:
To add to the above points, I literally just got an alert from Creditwise a week ago...

Dark Web Alert
Compromised email address >
Dec 8, 2025

So yeah, FICO 8 score and dark web monitoring 😉

Discover literally keeps yelling at me that my wattpad account was compromised five years ago.

Then trying to sell me identity theft insurance for $15 a month. Eww.