New Discover IT

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
19 posts
sakhalin
Centurion Member
Centurion Member
 
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Thu Oct 25, 2012 12:14 am

Snowman wrote:Is there much of a difference between the It and the more, from what I hear it is kind of the same thing except some of the reward categories are different, though I don't know for sure...


The rewards categories are the exact same. The IT just does not have a late fee for your first late payment, and your APR wont go up if you;re late (or something like that).
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)


kcarter609
Centurion Member
Centurion Member
 
Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Thu Oct 25, 2012 1:38 am

itsmeandrew wrote:Is there a restriction on how soon you can try for a PC? I just got my More not too long ago but would love the IT.


You can call and ask to PC, but with Chase they told me 1 year. Something about the CARD Act.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

gold-rick
Gold Member
Gold Member
 
Posts: 43
Joined: Fri Sep 21, 2012 2:20 am
Location: USA

Postby gold-rick » Mon Oct 29, 2012 8:26 pm

I just switched my More to the IT. So pretty much this is the same exact card except no late fees or something like that?

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Tue Oct 30, 2012 10:26 am

gold-rick wrote:I just switched my More to the IT. So pretty much this is the same exact card except no late fees or something like that?


Pretty much. And, the card looks cool.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

gold-rick
Gold Member
Gold Member
 
Posts: 43
Joined: Fri Sep 21, 2012 2:20 am
Location: USA

Postby gold-rick » Tue Oct 30, 2012 7:43 pm

Are the rewards the exact same as I had with my More card?

sakhalin
Centurion Member
Centurion Member
 
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Tue Oct 30, 2012 7:59 pm

gold-rick wrote:Are the rewards the exact same as I had with my More card?

Yes, reward structure is the exact same. It's pretty much the same card but it has a cooler design, no late fee for your first late payment, and your APR won't go up if you pay late.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

gold-rick
Gold Member
Gold Member
 
Posts: 43
Joined: Fri Sep 21, 2012 2:20 am
Location: USA

Postby gold-rick » Tue Oct 30, 2012 8:22 pm

Ok cool thanks for the clarification, I just talked to Discover and I will have the IT card I think she said by the 21st.

exdoll
Gold Member
Gold Member
 
Posts: 26
Joined: Sat Sep 15, 2012 9:37 pm
Location: new york

Postby exdoll » Wed Oct 31, 2012 12:24 am

When I call the rep. she said that my 'more' product is the same as the 'it' except for the late pay options and since I pay off before the statement close date the 'it' is not a up-grade for me. She made me feel that its only for people that have problems paying from time to time.

sakhalin
Centurion Member
Centurion Member
 
Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Wed Oct 31, 2012 1:55 am

exdoll wrote:She made me feel that its only for people that have problems paying from time to time.


That's what the IT card sounds like to me. After all, its perks are no penalty fee for the first late payment and no APR spike for late payments. The IT card is not for me either, but I really want the design. My current More card is flimsy and it'll look beat up soon.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 0 guests