topic Re: Discover IT + Amex in Credit Cards

Discover IT + Amex

nicholasyud — Sat, 15 Dec 2012 14:37:37 GMT

i just get my product change from Discover More to Discover It by one simple phone call. Cost me about 5 mins. the lady voice so sweet. She explain all the benefit and stuff.Now i just have to wait for my card to arrive next month cycle cut. teehee

On the other hand i sent Amex a secured message for a product change but no love. they said i have to apply for it. Anyone had success doing Pc wihh Amex !!!!?? Please help........

Re: Discover IT + Amex

Jutz — Sat, 15 Dec 2012 15:27:37 GMT

What's the PC you're trying for with AMEX?

Also, what are the advantages of More => IT?

Re: Discover IT + Amex

distantarray — Sat, 15 Dec 2012 16:55:08 GMT

@Jutz wrote:
What's the PC you're trying for with AMEX?

Also, what are the advantages of More => IT?

no late fee on your first late payment, no forign transaction fee (although I would quesiton how many take discover internationally is questionable) , won't raise your apr for being late, US Based call centers.

https://www.discover.com/credit-cards/index-beyond.html?gcmpgn=0712_ZZ_srch_gsap_txt

Re: Discover IT + Amex

Anonymous — Sat, 15 Dec 2012 18:11:34 GMT

Fyi- all Discover cards offer no foreign transaction fees & us based call centers.

Re: Discover IT + Amex

GoldenloveNY — Sat, 15 Dec 2012 18:19:35 GMT

So wait....am I the only who switch to the IT because it looks so darn sexy?

Re: Discover IT + Amex

shakalaka — Sat, 15 Dec 2012 18:28:41 GMT

Diners Club is part of the Discover Network. So you can use Discover in mayn places in Europe.

Re: Discover IT + Amex

Cdnewmanpac — Sat, 15 Dec 2012 21:06:12 GMT

Many people have gotten PCs with Amex. Some keys are: if you are PCing a charge product to a more expensive charge product, you must wait at least a year. If you are PCing a revolving product to another revolving product, it must be to a card with similar underwriting (or you must meet the criteria for both). It is possible that a targeted "upgrade" offer that waived the annual fee difference for a year might be possible, but the card act prohibits changing to a product with a higher annual fee within the first year.

So you could PC your Green to Gold/PRG/Platinum any time after the account is 1 year old.

Since the Delta Gold is generally considered to have lower underwriting standards than any other revolver, PCing that to something else outside the Delta family may not be possible for you. Within the Delta family, you should be able to PC without issue after a year. Also, keep in mind that you couldn't PC to a card with a higher interest rate within the first year, either. So if, for example, you qualify for 15.24 on your Delta card, but would get 17.99 on a hilton card, you couldn't PC in the first year. Card act again.

Now back to discussions about Discover IT benefits...

Re: Discover IT + Amex

nicholasyud — Sat, 15 Dec 2012 22:03:31 GMT

one phone call 5 mins and thank you Mr Nicholas your new Blue Cash Everyday should be arrived from 7 to 10 days .........Hoooorayyyyyy............both product change 1 day........yahhhhhhh

Re: Discover IT + Amex

kobe2012 — Sat, 15 Dec 2012 22:08:26 GMT

Nice! That was easy..congratz!

Re: Discover IT + Amex

jsickz32 — Sat, 15 Dec 2012 22:18:20 GMT

@Goldenloveny
No, i also PCd to IT just because its sexy!

Re: Discover IT + Amex

nicholasyud — Sat, 15 Dec 2012 22:37:34 GMT

me too....i Pc both for its sexy look and those great benefit fit my life style......
walmart: gas
BCE : grocery gas deparment store
Discover : 5% quarter.

looking for thousand dollars saving every years...........