DISCOVER IT Approval

bman86 · ‎07-19-2019

I’ve had a discover IT secured card since Oct ‘17. I got a pre qual offer which I thought was weird since I already had a card. Checked online same result I was pre qualified for the IT cash back.

I figured I’d apply since my secured card never graduated. Applied, was asked to call due to a fraud alert on my profile. Approved for 5k limit. Which is awesome but now I have two cards one with a $200 secured limit and now a $5k limit.

That seems silly to me...is it possible to merge the accounts?

Anonymous · ‎07-19-2019

You can merge them if it's been open over a year....yes

You have to be eligible for a CLI (don't accept it and call in to merge them)

Once done, and the kept account hits 1 year of age you can then apply for another 2nd account if you want to collect the double cash back again for anoter year.

Anonymous · ‎07-19-2019

Congrats on your approval!

M_Smart007 · ‎07-19-2019

Congrats!!!

Marz2002 · ‎07-19-2019

YOU...

CONGRATS @bman86 on your Discover IT CashBack approval and the Very Nice SL - YOU are on your way NOW!!!

tbque · ‎07-20-2019

Congrats on the new Disco!

BOA Customized Cash Rewards Visa Platinum Plus | $300

Navy Federal CU Refinance | $23,492 @ 5.29%

Capital One Auto Finance | $14,068 @ 9.12%

AverageJoesCredit · ‎07-20-2019

You can Disco for 2 or solo

.

GApeachy · ‎07-20-2019

@Anonymous wrote:
You can merge them if it's been open over a year....yes
You have to be eligible for a CLI (don't accept it and call in to merge them)
Once done, and the kept account hits 1 year of age you can then apply for another 2nd account if you want to collect the double cash back again for anoter year.

Congrats OP, sure beats the heck of that sc.

@Obsure-Expert hmmmm, that's cool...didn't know that, glad you posted.

My Take Home Pay Don't Take Me Home

joltdude · ‎07-20-2019

If I read the op correctly he wants to merge the secured and unsecured disco... That's a nope . You can either wait for it to unsecure and then the cli thing and merge. Or just close it.

PInging @AverageJoesCredit

Pretty sure disco does Not allow you to merge a secured card if it's still secured.

@GApeachy wrote:
@Anonymous wrote:
You can merge them if it's been open over a year....yes
You have to be eligible for a CLI (don't accept it and call in to merge them)
Once done, and the kept account hits 1 year of age you can then apply for another 2nd account if you want to collect the double cash back again for anoter year.

Congrats OP, sure beats the heck of that sc.
@Obsure-Expert hmmmm, that's cool...didn't know that, glad you posted.