Advice on new Discover Card design

[Discover2016]

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@MyLoFICO wrote:

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@Anonymous wrote:

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@MyLoFICO wrote:

How an I get the Plum color?

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You can order any color you want (that they offer) when you sign into your account and request another card.  There are members on here that have 3 or 4 different Discover cards since they just want different colors/designs and Discover doesn't limit how many you can have.

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Last time I looked my card was secured and I only had like 10 options. I thought that was odd. lol. Now that I can see all 47 I think I will order a few. 

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One of my favorite things about Discover is the ability to have different card designs, when I go to a Rangers game I switch to the Rangers card, then back again, it's so cool.

[Anonymous]

The pride design is my personal fav.

[Anonymous]

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@capnsloya wrote:
I was recently able to convert the rewards program on my secured discover card to the 5% cash back on quarterly categories. 

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I assume you mean that Discover graduated your secured card to the unsecured 5% card?  Or are you still secured and just got a weird product change?

[MyLoFICO]

I ordered Plum and Gold for me and Rose Quartz for my daughter.

[MyLoFICO]

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@Anonymous wrote:

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@capnsloya wrote:
I was recently able to convert the rewards program on my secured discover card to the 5% cash back on quarterly categories. 

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I assume you mean that Discover graduated your secured card to the unsecured 5% card?  Or are you still secured and just got a weird product change?

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Mine did that. I was able to convert to the IT with 5% categories and stayed secured for 3 months. Felt like haveing to left shoes. 

[Anonymous]

Interesting, I'm new to the 1% standard secured.  Did you just get an offer somewhere to convert it, or did you have to deal with calling them or writing them?

I'd much prefer the 5% -- I cycle a lot through the Discover card ($3000-$5000 a month) and every dollar left on the table is a wasted dollar.  I probably have months where I will cycle $10,000 through it when it's vacation booking season -- won't help if there are no 5% categories but I'm sure I can get more rewards regardless.

[MyLoFICO]

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@Anonymous wrote:

Interesting, I'm new to the 1% standard secured.  Did you just get an offer somewhere to convert it, or did you have to deal with calling them or writing them?

I'd much prefer the 5% -- I cycle a lot through the Discover card ($3000-$5000 a month) and every dollar left on the table is a wasted dollar.  I probably have months where I will cycle $10,000 through it when it's vacation booking season -- won't help if there are no 5% categories but I'm sure I can get more rewards regardless.

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Just call them. Discover has some of the nicest Customer Service reps I have ever dealt with. I suppose you can use chat too but they are nice. 

[Anonymous]

Ah, I found this older link from 2016 but no comments beyond the OP.

http://ficoforums.myfico.com/t5/Credit-Cards/Secured-Discover-IT-Chrome-convert-for-5/td-p/4548911

Edit also this: http://ficoforums.myfico.com/t5/Credit-Cards/Discover-Secured-Conversion/td-p/4506149

I have to call Discover in May to max out my secured deposit so I will just request a conversion then and see what they say.

[capnsloya]

Nope, my card is still secured as of now. I just got my 6th statement so I wouldn't be able to unsecure until at least next statement. 

I got a different rewards program simply by chatting with a representative online and asking for the change. It might have been a full blown PC though since my account now states I have a regular Discover It instead of a Discover It Chrome.

[Anonymous]

Fantastic news -- thanks for sharing.  Not sure how I ever missed reading about this option since I thought I read every thread on the Discover secured card.  I'll hold off until next month when my first statement cuts -- already moved over all my fee-free autopays to the card as well as updated my travel agent's site, so now it's just a matter of PIF every 3rd day.  I noticed a warning recently if I pay more than once every 3 days it'll delay the payment, but I figure I can PIF 10 times a month to keep using it as a daily driver.

Do you know if your 5% rewards will get doubled for the first year promotion?  10% rewards sounds fantastic for a secured card.