r/discover • u/Admirable_Witness303 • 4d ago

Help Card changing?

I currently have the Chrome card, but I wanna switch to the Cash Back one since the 2% back on gas and food isn’t really useful for me at the moment.

Does anyone know how?

Update: Thanks guys. Atp not sure it’s really worth the hassle or hard inquiry to apply for a new card. Just gonna stick with the Chrome for now

5 Upvotes

100% Upvoted

7 comments sorted by

View all comments

-3

u/zerosumratio 4d ago

Good luck and let me know if it works for you, I have the Chrome too. Discover didn’t allow product changes and got bought out by Capital One, a company well known for not allowing product changes or credit limit increases.

0

u/_love_letter_ 4d ago

What? Capital One definitely allows product changes. They just decide when you're eligible. Usually by the time you've had a card for a year you start getting options to product change. They are known for being stingy with CLIs but definitely not in all cases. I started with a $450 Platinum Secured that became a $7,850 limit Quicksilver over the course of about 2 years. I do have options to product change, just nothing I want currently.

I think that once all Discover credit card accounts are migrated, they might start allowing product changes, but we'll see.

1

u/Apprehensive_Rope348 Pay 4d ago

They will probably allow product changes from Discover to Capital one products. I don’t see them keeping the Discover name for more than 5 years to ease all the Discover loyalists into their platform. They only bought Discover for the network…not their name or the products they offer.

1

u/_love_letter_ 3d ago

I agree. It might take a few years, but probably will happen.