Discover It

[msbkb]

I have a Discover More Card with a $2,500 limit.  I am considering closing the card and applying for a Discover It Card.  Has anyone done this?  Curious of the impact it will have on my credit score.  Thoughts?

[manwoot]

Before you close out the card, call Discover and ask if you can change your Discover More to a Discover It.  It will keep your age of account current, and won't impact you as much as a brand new account.  If you do wind up feeling like applying for the Discover It, PM me and I'll get you a link for a $50 sign up credit.

[bahbahd]

You can request they change you current card to the IT i think. You'd skip the new app process. It could result in a closed account 

[knoregs]

Yup... just call and ask to PC (product change) to the IT card. MANY on this forumn have done it including me. A quick painless call.

~kn

[lg8302ch]

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@knoregs wrote:

Yup... just call and ask to PC (product change) to the IT card. MANY on this forumn have done it including me. A quick painless call.

~kn

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+1  ..same here - painless process ..same account number and even same card image...use my old MORE as IT card 

[knoregs]

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@lg8302ch wrote:

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@knoregs wrote:

Yup... just call and ask to PC (product change) to the IT card. MANY on this forumn have done it including me. A quick painless call.

~kn

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+1  ..same here - painless process ..same account number and even same card image...use my old MORE as IT card 

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If only the CLI process was just as painless, eh?

~kn

[lg8302ch]

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@knoregs wrote:

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@lg8302ch wrote:

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@knoregs wrote:

Yup... just call and ask to PC (product change) to the IT card. MANY on this forumn have done it including me. A quick painless call.

~kn

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+1  ..same here - painless process ..same account number and even same card image...use my old MORE as IT card 

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If only the CLI process was just as painless, eh?

~kn

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[Open123]

PC'ing is painless.  In this case, it's infinitely superior to a new app, since $50 isn't worth a new HP and account, in my view.  There's no reason to keep the More.  The IT is better since it earns 1% cashback right off the bat, unlike the More where you have to spend $3,500 at 25 bps before the 1% kicks in.

The *ONLY* reason to app for the More was the $200 sign-up bonus, then transfer to the IT.  I can't think of any reason why a More holder wouldn't PC to the IT, unless there's a card design that's unavailable, or something along those lines.

[09Lexie]

+1

[msbkb]

Thanks so  much for the help!  I will call and ask for PC!