If you really look at it, Discover only has a couple of different credit card reward structures. The Discover IT cards earn 5% back on rotating categories, and their miles card which earns 1.5% back on every purchase. If you haven’t used your Discover IT card in a while, you may be in for a very confusing surprise.
Discover is sending out emails letting people know that because they haven’t used their Discover IT card in a while they are automatically getting product changed from their IT card to the Miles card. Some people are not receiving this email and instead are just receiving the card in the mail without warning.
It is possible call Discover and product change back to the Discover IT. Some people are able to product change right away and others need to wait a little while to be able to change back.
This is such a weird thing that Discover does, but apparently it isn’t even the first instance of it happening. It really makes me question Discover’s motives here. If it is targeted towards people that don’t use their card often, it could be a move for the person to remember about using their Discover card. It could be reinforced by having to call to change the card back.
While Discover is pretty good about product changes, and would keep the same card number with product changes (meaning you could use your card and instantly get the reward change), I just think this is a bad idea. I feel like you would get more angry customers with a process like this. Your customer signed up for a specific card, I doubt that changing that card would get them to use it.
Luckily this hasn’t happened to me and my Discover IT, or really any other card. I can’t imagine I’d be all that happy if they did do this.
What do you think about this product change? Has Discover done this to you? Let us know down in the comment section below.