Discover Financial Services (DFS) stock surged 1.82% Thursday morning following an upgrade from Wolfe Research, to trade around $90 apiece. If you like this story, sign up for Jim Cramer's Top 10 Morning Thoughts on the Market email newsletter for free. CNBC's Jim Cramer took issue with Wolfe's "very gutsy call," citing reports of Discover overcharging merchants for more than a decade. In the meantime, if you want a bargain, take advantage of Nvidia (NVDA) if the stock is down." The artificial-intelligence chipmaker, an Investing Club stock, reported another blowout quarter on Wednesday.

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