topic Re: Discover More to IT PC questions in Credit Cards

Discover More to IT PC questions

tennisfan78 — Sat, 23 Mar 2013 16:38:36 GMT

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

I am thinking of PCing to IT and have a couple of questions.

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

2. Will the credit history from the More card get carried over to the IT card

3. will everything else stay the same? Ex. statement cut date etc.

Thanks

Re: Discover More to IT PC questions

Anonymous — Sat, 23 Mar 2013 16:49:09 GMT

@tennisfan78 wrote:

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

I am thinking of PCing to IT and have a couple of questions.

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

2. Will the credit history from the More card get carried over to the IT card

3. will everything else stay the same? Ex. statement cut date etc.

Thanks

1. No, it won't. I converted to IT right before my 6 months and it gave me the increase (auto-CLI)

2. Yes, it carries over. AFAIK from seeing my credit reports since then, there is no real change to the credit report. It still falls completely under Discover regardless.

3. Everything else with your account should stay the same, mine did. Call and find out for sure.

Re: Discover More to IT PC questions

tennisfan78 — Sat, 23 Mar 2013 16:54:22 GMT

Thanks Jonbo!

Re: Discover More to IT PC questions

thom02099 — Sat, 23 Mar 2013 17:10:39 GMT

@Anonymous wrote:
@tennisfan78 wrote:

I was approved for Discover More about 4 months ago with starting CL of $4500. Have received $100 cashback after spending $1000 during the first 3 months.

I am thinking of PCing to IT and have a couple of questions.

1. I was thinking of asking for a SP CLI after 6 months, will PCing reset the clock and i have to wait 6 more months?

2. Will the credit history from the More card get carried over to the IT card

3. will everything else stay the same? Ex. statement cut date etc.

Thanks

1. No, it won't. I converted to IT right before my 6 months and it gave me the increase (auto-CLI)
2. Yes, it carries over. AFAIK from seeing my credit reports since then, there is no real change to the credit report. It still falls completely under Discover regardless.
3. Everything else with your account should stay the same, mine did. Call and find out for sure.

+1. It's just the same number from the More card, moved to an IT card. Nothing else changes. You can, in fact technically use both cards until the expiration date, when only the IT card will be valid upon issuance of a new card. We did that with my More to IT cards, my kids continue to use their retro Sony Tape More cards.

Re: Discover More to IT PC questions

Gunnar419 — Sat, 23 Mar 2013 17:13:46 GMT

I confirm what Jonbo said. PC from More to It is super easy and has no impact on account number, history, CLI schedule or anything else. You just get better benefits and a really cool looking card that comes in a really cool folder.

Re: Discover More to IT PC questions

tennisfan78 — Sat, 23 Mar 2013 17:41:45 GMT

Thank you Gunner, Thom!

Re: Discover More to IT PC questions

kevinjjc — Sat, 23 Mar 2013 17:50:48 GMT

Don't worry, it's super easy with Discover! It's just considered changing the rewards program for your Discover account.

Re: Discover More to IT PC questions

tennisfan78 — Sat, 23 Mar 2013 21:39:20 GMT

@kevinjjc wrote:
Don't worry, it's super easy with Discover! It's just considered changing the rewards program for your Discover account.

Thanks Kevin.

Just converted to IT over the chat. It was very straightforward as you all mentioned. Should be receiving the new card in 4 to 6 days.

Re: Discover More to IT PC questions

Believe1970 — Sat, 23 Mar 2013 23:26:47 GMT

Is there an inquiry to your credit report? If so, soft or hard?

Re: Discover More to IT PC questions

tennisfan78 — Sun, 24 Mar 2013 00:49:19 GMT

@Believe1970 wrote:
Is there an inquiry to your credit report? If so, soft or hard?

I asked them if it will require an inquiry, and they said no.

Re: Discover More to IT PC questions

HiLine — Sun, 24 Mar 2013 06:40:20 GMT

Product changes never affect any of the features you mentioned. Congrats on the successful conversion!

Re: Discover More to IT PC questions

tennisfan78 — Sun, 24 Mar 2013 15:27:10 GMT

Thanks HiLine!

Re: Discover More to IT PC questions

kevinjjc — Sun, 24 Mar 2013 16:07:03 GMT

@tennisfan78 wrote:
@kevinjjc wrote:
Don't worry, it's super easy with Discover! It's just considered changing the rewards program for your Discover account.
Thanks Kevin.

Just converted to IT over the chat. It was very straightforward as you all mentioned. Should be receiving the new card in 4 to 6 days.

I had to wait until my next statement cut for the conversion.

Re: Discover More to IT PC questions

solstice00 — Sun, 24 Mar 2013 17:00:09 GMT

@kevinjjc wrote:
@tennisfan78 wrote:
@kevinjjc wrote:
Don't worry, it's super easy with Discover! It's just considered changing the rewards program for your Discover account.
Thanks Kevin.

Just converted to IT over the chat. It was very straightforward as you all mentioned. Should be receiving the new card in 4 to 6 days.
I had to wait until my next statement cut for the conversion.

Same here.