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Switch your Discover More to a Discover IT for better cash back and lower fees

ussrname 237 January 14, 2013 at 09:49 PM in Finance (2)
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More of an FYI than a deal, but current Discover More card holders should phone in to product change to a Discover IT. The IT is better in every way - it has
better rewards: (same category bonuses, but with 1% cash back from the first dollar instead of after 3k)
and lower fees: waived overlimit fee and fee for first late payment, lower interest rates.

Phone in to switch, no credit pull.

If you don't have a Discover More card, consider holding off on applying for a Discover IT until there is a cash bonus offer.

https://www.discover.com/credit-cards/index.html

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Last Edited by aiham78 April 8, 2013 at 05:50 AM
You can also use Live Chat toswitch over from More to IT.

As for the PayPal sending, this is what a CSR said "The paypal is a special promotion for certain accounts, so if you have it on the account now it will be on the Discover IT."

Just for the Card design freaks...You get to keep the current Discover More card(if you have it already)until it expires.

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Joined Jun 2008
And I Love Asian Girls :)
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#3
I have already spent over $3k on my card, what do I get over the regular one?
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Joined Aug 2007
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#4
any downsides to the new card?
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Joined Dec 2008
L15: Baron
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#5
discover IT has no choice in card design, i think
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Joined Aug 2011
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#6
Quote from unlimitedx View Post :
discover IT has no choice in card design, i think
only five at this time, but it will add more to it.
also, discover it card design is better than more.
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Joined Sep 2009
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#7
They are going to phase out Discover More card gradually.
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#8
Quote from metaldood View Post :
They are going to phase out Discover More card gradually.
IDK, I quit using them all together after I switched to Freedom and Blue, those MFers wouldnt give me a credit limit raise... I am still stuck at $500 limit LMAO with them.
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Joined Nov 2009
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#9
Quote from tennisplayer888 View Post :
IDK, I quit using them all together after I switched to Freedom and Blue, those MFers wouldnt give me a credit limit raise... I am still stuck at $500 limit LMAO with them.
I changed from Discover more to Discover IT recently..They even gave me a credit line increase..they didn't have to pull my credit history or anything.
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Joined Nov 2008
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#10
Quote from ussrname View Post :
More of an FYI than a deal, but current Discover More card holders should phone in to product change to a Discover IT. The IT is better in every way - it has
better rewards: (same category bonuses, but with 1% cash back from the first dollar instead of after 3k)
and lower fees: waived overlimit fee and fee for first late payment, lower interest rates.

Phone in to switch, no credit pull.

If you don't have a Discover More card, consider holding off on applying for a Discover IT until there is a cash bonus offer.
does it involve a soft or hard credit pull?

also, does it offer "Send Money" like Discover More.

If there is no credit pull and this IT card offers the same "Send Money" feature, then I'm in.
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Joined Jun 2008
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#11
Quote from yeshu1984 View Post :
I changed from Discover more to Discover IT recently..They even gave me a credit line increase..they didn't have to pull my credit history or anything.
Ehh... I am not in a hurry to use them. I have other cards to use. Their CS isnt the best from my experience. But Freedoms is... I called them one time because my dad's card stopped reading at gas pumps for some reason, and they sent one out the next day with 1 day overnight, their service is exceptional.
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Joined Mar 2010
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#12
Quote from ussrname View Post :
More of an FYI than a deal, but current Discover More card holders should phone in to product change to a Discover IT. The IT is better in every way - it has
better rewards: (same category bonuses, but with 1% cash back from the first dollar instead of after 3k)
and lower fees: waived overlimit fee and fee for first late payment, lower interest rates.

Phone in to switch, no credit pull.

If you don't have a Discover More card, consider holding off on applying for a Discover IT until there is a cash bonus offer.
How much cash are we talking about?? And how often soon should i expect to see that offer?? thanks.. Tia
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Joined Jun 2011
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#13
Just switched over, thanks OP! The 0.25% cashback until $3k was the main reason I didn't really use this card.

Some more details about switching: account number stays the same, they send a new card with a different design. You don't switch over to Discover IT until your next billing cycle, which is when they'll send the new card along with the new terms.
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Joined Nov 2008
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#14
Quote from eSurfer View Post :
does it involve a soft or hard credit pull?

also, does it offer "Send Money" like Discover More.

If there is no credit pull and this IT card offers the same "Send Money" feature, then I'm in.
one more question: when I phone in, how should I pronounce the "IT" card, as "it" or "Eye Tea"?
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Joined Apr 2011
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#15
From the commercials they pronounce it "it"

Quote from eSurfer View Post :
one more question: when I phone in, how should I pronounce the "IT" card, as "it" or "Eye Tea"?
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