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PSA: Disco PCing cards UNSOLICITED

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Senior Contributor

Re: PSA: Disco PCing cards UNSOLICITED


@zerofire wrote:

I think Discover was trying to just be useful. It just so happened to be a fail. I recommend just letting bygones be bygones.


+1

Message 11 of 16
New Member

Re: PSA: Disco PCing cards UNSOLICITED

I've had the Discover Gas and Restraunt card since 2007. I stopped using it in 2017 when I got better cards. 

 

I didn't know you could PC cards and I opened a new Discover IT card in 2018.  I noticed then I was able to add the 5% categories to the Resturant card account..... (which your not supposed to do....)

 

I don't remember ever getting notified that they changed my original card to the standard IT...

 

 

 

 

 

Message 12 of 16
Established Contributor

Re: PSA: Disco PCing cards UNSOLICITED


@Yankee2 wrote:

I've had the Discover Gas and Restraunt card since 2007. I stopped using it in 2017 when I got better cards. 

 

I didn't know you could PC cards and I opened a new Discover IT card in 2018.  I noticed then I was able to add the 5% categories to the Resturant card account..... (which your not supposed to do....)

 

I don't remember ever getting notified that they changed my original card to the standard IT...

 

 

 

 

 


The Discover Gas and Restaurant card became the Discover It Chrome I think. Over the years they might have swapped it out underneath your gaze. You have to remember cards expire every 2-5yr with 3yr as the normal length.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
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Message 13 of 16
Valued Member

Re: PSA: Disco PCing cards UNSOLICITED

theres a lot of people reporting that they're doing this for the usbank visa+ too, if you don't put enough spend thru it then it gets pc'd to something else.


Message 14 of 16
Established Contributor

Re: PSA: Disco PCing cards UNSOLICITED

I think this was a ham-handed attempt at a win-win. "He's not using this card, let's offer him a different card and see if he likes it more." Probably based on algorithms rather than human intervention.

 

One minor comment, the Discover secured card can be PCed (while still secured) to the 5% rotating categories version and perhaps to any version. I only tried 5% rotating categories. The Discover secured card is really the same as the unsecured card, other than how CL/deposit works. Mentioning because somebody said that the secured card has limited rewards value.


FICO 8 scores are deceptively high. My profile is very young with a lot of recently opened accounts and large number of inquiries. My AU card isn't on TransUnion, so I won't have a FICO score there until October. No derogs. Over 5/24 until summer 2021.

Authorized user / Corporate

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Unsecured personal loan from Coastal, $1,000, 05/19-08/19.

Goal cards: Ducks Unlimited, Chase Sapphire Reserve (or Preferred, haven't decided). Increased CLs across the board.
Long-term goal: Legitimate 770s on EX/EQ/TU, able to qualify for most normal credit products. Prime-rate mortgage.
Message 15 of 16
Community Leader
Senior Contributor

Re: PSA: Disco PCing cards UNSOLICITED


@KJinNC wrote:

I think this was a ham-handed attempt at a win-win. "He's not using this card, let's offer him a different card and see if he likes it more." Probably based on algorithms rather than human intervention.

 

One minor comment, the Discover secured card can be PCed (while still secured) to the 5% rotating categories version and perhaps to any version. I only tried 5% rotating categories. The Discover secured card is really the same as the unsecured card, other than how CL/deposit works. Mentioning because somebody said that the secured card has limited rewards value.


I can verify that info as well, i PC-ed my chrome to an IT card within the first month after approval of the secured card.  Granted that was 2+ years ago, but i doubt that rule has changed since there hasn't been an uproar on the site Smiley Very Happy




Message 16 of 16
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