Discover Product Change?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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amexcurious
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Discover Product Change?

Postby amexcurious » Sun Dec 29, 2013 7:37 pm

I've had a Discover card since 1996.

There's the "It" card now.

Is it possible to do a product change to the It? Any reasons to not do it? And, will the account age remain the same, or will it count as a new account?

I'll call Discover and ask these questions, but in the meantime I wanted to get input from others who might've gone this route before, plus advise on whether switching product types is a good idea or not.

Thanks.


MemberSince99
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Postby MemberSince99 » Sun Dec 29, 2013 7:40 pm

Yes you can just call them up and tell them you want to change your More card to an IT assuming you have the More card.


I can't see any reason not to honestly. It should be the same, at least it was with mine when I converted my More to the IT. Not that it was very old to start with but you don't have to worry it will hurt your AAoA or anything it's not a new account.


I would go for it, there are good reasons to do it (better rewards, dedicated line to call) and no negatives I'm aware of. I feel it's a positive switch. They will expedite the new card to you.

thom02099
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Postby thom02099 » Sun Dec 29, 2013 9:14 pm

MemberSince99 wrote:
I would go for it, there are good reasons to do it (better rewards, dedicated line to call) and no negatives I'm aware of. I feel it's a positive switch. They will expedite the new card to you.


Agreed. There really is no good reason NOT to get the IT card. As an added bonus, one also gets a FICO Transunion score on your IT monthly statement. Granted, that's not a sole reason to get an IT card, but does show the level of customer service available for the IT card vs the More card...where the FICO is not currently available.

That said, it really will not affect your Discover account adversely, or have any impact on your credit reports to change from More to IT. Also, you can get the "standard" IT card colour, or you can go to their card options and order the "garnet" colour card or get a special design card (many like the NYC skyline card - I have that one).
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016

amexcurious
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Postby amexcurious » Mon Dec 30, 2013 6:09 am

So what you are calling the "More" card is the original Discover card? As I mentioned, I've had mine since 1996, and as far as I can remember, there was only one version of the Discover card at the time (at least for the personal product, I never paid attention to the business ones).

My main concern is whether or not the product change will result in a new account reporting as of 2013, instead of the current account which has been reported for 17 years. Secondary is whether or not they will do a hard pull, or just a soft one (if at all).

takeshi
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Postby takeshi » Mon Dec 30, 2013 8:37 am

amexcurious wrote:So what you are calling the "More" card is the original Discover card?

I haven't been able to find anything to verify but I doubt that the More was the original Discover card. Discover was originally introduced back in 1986. I'm not sure when they started to issue the More. The More is basically the predecessor to the it.

fL1Pm0d3
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Postby fL1Pm0d3 » Mon Dec 30, 2013 10:34 am

Product changed my More to an IT card the other day. The CSR said customers can do it anytime and that there is NO Hard Pull with the account change. He said they do not even look at the credit score when converting the card.

Additionally, I believe the card history does not change because you keep the same exact card number from your More card. They just give you a new security code and expiration date when the new IT card comes.
Travel Perks: AMEX Platinum, SPG Amex ($16300), Chase Sapphire Preferred ($11600)
5% Rotating Cashback: Discover IT ($5800) , Chase Freedom Signature Visa ($10000)
Low APR Card (7.99%): CFCU ($5000)
Co-Branded Card: Barclays Apple Visa ($3800)


Future: BCP, Close Apple Visa and open Arrival

MemberSince99
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Postby MemberSince99 » Mon Dec 30, 2013 10:57 am

It's easier to just call them and ask than to find out if anyone on the forum may have had an original Discover card and tried to PC it to the IT card.


My "guess" and it's only a guess is that it's not a hard pull or soft pull and that it's no problem and is not a new account but only they know that or someone who has done it. Honestly it's not that much work to give them a phone call.

amexcurious
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Postby amexcurious » Mon Dec 30, 2013 1:44 pm

Yes, I know it's not much work to call them, and as I stated on my original post that was my plan. I was just curious to know if anyone had gone through this.

I called them earlier, no hard or soft pulls, just an account review. Account age and number remain the same, and the product conversion is effective as of the first day of the next statement period.

That's it.

whit
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Postby whit » Mon Dec 30, 2013 7:20 pm

So is discover sitting back behind a hand of giggles just waiting to see if people with More will call in to convert themselves or is there some benefit that more has that it doesn't?

I'm just curious why they wouldn't automatically change it over as goodwill, esp since discover tots itself as more of a peoples' card. If there was some sort of AF I would understand

MemberSince99
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Postby MemberSince99 » Mon Dec 30, 2013 7:50 pm

I suspect what they will do is wait until the card expiration then gently move you over. Just a total guess on my part, but they probably would rather you do it voluntarily. I resisted it for a bit, until they upped the rewards on the IT to the full 1%, then I was all over that.



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