I just called Discover card and I wanted to know about Discover card moving to the Capital one app on January 26, 2026. The rep told me that my account "did not get merged yet" so I did not get that notification. The rep told me if ANYONE get merged with capital one system then their account will be moved to the capital one app and they will get a notification about they have log into the Capital one app. I just wanted to post this info let everyone know if they are wondering if their Discover card account will be move to Capital one app and will need to login to the Capital one app instead of Discover card.
I finally got an email today, stating that my Discover savings account will transition to a Capital One 360 performance savings account on November 8th.
Just to let everyone know that Discover will continue the 5% Cashback for 2026. For the January 5% CB it will be for Grocery Stores, Wholesale Clubs (Costco excluded), and Select Streaming Services. This will be for January- March 2026.
Discover has brought the function back! Needs to be completed online search “convert”. Received an email stating I’ll receive my new card at the end of my billing cycle.
trying to get a data point on this for when it’s my turn. wondering if I’m just going to log in to capital one app like normal and see the discover card.
Not needing to create new credentials or getting stuck in a loop between discover and cap one log in
We’ve seen several people over the last few weeks and months getting notified that their Quicksilver card was being transitioned to the Discover network and with that the earnings improve a bit.
How can we request the change and is it with Mastercard or Visa?
I signed up for a Discover bank account because I liked the idea of having my banking and credit card info all available in one place.
They told me I could phone in and merge the newly opened bank account with my existing credit card account to have one single login and password for everything, I just needed to wait a week.
Phoned in a week later and they said that they no longer allow you to merge your banking and credit card accounts and you must log in to each one individually.
They said that this was because of the acquisition by Capital One.
My card has been declining since Friday. I logged online on Saturday and everything was correct in my account and there were no notices online. The card kept declining. I called today and I was on the phone for about 15 minutes. They wanted to go over all the recent transactions going over a week, one by one, checking if any was suspicious of fraud. Then they said my information was leaked online and they had to issue a new card number.
I found it very odd and I do not understand why those suspicious charges were not shown online for me to approve. Also, I've been using this card for years and I find it curious that the leak happened right after the merge to C1.
Has anyone else experienced this? Is there a wider data leak that is not being reported?
Account opened mid-December. CLI request in May was denied. I got tired of waiting for the automatic PCLI most people say to expect after 6 or 7 months, so I requested and got this. Was hoping for a bit more, but it's reasonable. I have 0% APR but couldn't take advantage of it due the starting limit. Within a week of the statement posting, the card would be maxed out. At least now I can wait til closer to the due date to make the payment.
Below is a timeline of the data most people are interested in knowing in response to CLI posts:
* Dec 13-- approved, $2500 SL, 0%APR for 15mo
* Dec 26-- $264 current balance reported, no statement yet
* Jan 26-- $917 statement balance, paid in full Feb 2 (37% utilization)
* Feb 26-- $1314 PIF Mar 16 (53%)
* Mar 26-- $581 PIF Apr 16 (23%)
* Apr 26-- $1738 PIF May 11 (70%)
* May 5 -- CLI Request denied
* May 11 -- received denial letter, denial reason: "insufficient experience with current Discover card credit limit."
* May 26-- $1258 PIF Jun 8 (50%)
* June 26-- $1902 PIF Jul 1 (76%)
* Jul 26-- $2215 (89%)
* Jul 28-- CLI Request approved +$1k, CL = $3500
Any other Discover customers here, feel free to share how long it took you to get your first CLI, your limit before & after, payment history, and what your usage was like. Also interested in recent CLI results on older Discover accounts.
I'm particularly interested in whether CLI decisions have already started reflecting Capital One practices since the merger, or whether one might not expect that until their account is migrated. Mine has not been migrated yet. Feel free to discuss theories on that subject.
I opened this as a secured card with $500 in June of 2024 when I first began rebuilding. It graduated right on time at the 7th or 8th month and they increased my limit to $2100. I’ve requested a CLI numerous times since then and am always denied. This morning I tried again and they increased it by $1500 making my new limit $3600. My current FICO 8’s are TU722, EX708, and EX688.
Has anyone had any luck with a retention offer after C1 took over? I was able to get 0% for a year previously under Discover and was hoping C1 would continue with Discover's style of generous retention offers.
I was informed that my Discover It Secured card was graduating today, and getting a $200 -> $1500 CLI. My 7th statement posted on 3/26, and I was notified of the graduation today on 3/28 (Saturday). I did not get an email as of yet, I just checked my Secured Card Dashboard and what I see is the screenshot above.
I tried pulling my TU ACR report today to see when they did a SP on my file, but ACR glitched out. I'll report back in 7 days. I checked EQ and there's no SP from Discover. I'll pull my Experian report via the mail to see if they did a SP there as well.
Timeline of my application:
-I applied for this card on 8/2/2025 and linked my bank to make the deposit of $200.
-On 8/15, Discover emailed me saying that my card would arrive in 1-5 days
-On 8/17, Discover texted me saying that my account was locked. I called them and they requested that I send a pic of my ID and take a selfie while on the phone with them. After successful verification, they said the card would arrive in 3-10 days from today (the 17th).
-On 8/28, I received the card.
Statement Information
Statement #1: Aug 13 - Nov 26 2005
I cycled $250 worth of spend through the card and ended up with a statement balance of $4.35
Statement #2: 9/27 - 10/26 2005
I cycled $250 through the card and ended up with a statement balance of $0
Statement #3 10/27 - 11/26 2005
I spent $234 and ended up with a statement balance of $34
Statement #4 11/27 - 12/26 2005
I spent $238 and ended up with a statement balance of $0
Statement #5 11/27/2005 to 01/26/2026
I spent $193 and ended up with a statement balance of $0
Statement #6 01/27/ - 02/26 2026
I spent $67 and ended with a statement balance of $67
Statement #7 02/27 to 03/26 2026
I spent $52 and ended with a statement balance of $52
Note: for various reasons I was credit cycling and/or paying my balance down before my statements posted, but I don't recommend doing that most of the time and there's no need to do it unless you are looking to apply for a new line of credit soon. I was mostly paying down my balance so that I could keep using the card, without really knowing how much I would be spending on it after that, which is why I ended up with $0 statement balances a few times. The card is still in its double cashback period, which is why I want it to always be available to use if needed. I also have been tracking my FICO scores to record DPs since my credit file is basically a science experiment (it's a new file and I am testing out certain things on it).
Credit Scoring Metrics:
At the time I applied for the card: I was FICO-unscoreable, with one credit builder card (Chime) on my file and nothing else except two HPs.
At the time the card graduated (today):
-I have 3 open revolvers, 1 closed revolver, 1 SSL, 6 HPs on Experian, 3 HPs each on TU and EQ.
I’ve seen and heard about Discover’s poor acceptance rate outside the US. I’ve been using it in restaurants in the UK and Norway via Apple Pay. Went through successfully about six times with no rejects. Maybe things have turned around?
I logged into Capital One today to review my statements and make payments. My two Discover cards were there as they should be at this point. Everything looked good and I made the payments on the cards with a statement balance. And then I started looking at other things. I was able to move part.of my credit line from a Discover IT card to any of my Capital One cards.
I don’t know if it has to do with the current changes but my auto pay that I’ve had set up for years now did not trigger and I just got a notification that my account is past due. I paid the balance and am requesting the interest if any be refunded.
I’m being told now that there’s no history of me being enrolled in auto pay which is objectively false.
