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If it doesn't have a annual fee then why cancel it? Just SD it or use it more and hope it unsecures.
Mine unsecured 2 months ago after 13 months secured and it still sits today with a 200 CL in my safe. I won't use it anymore. It will close itself from non use or get a CLI. I won't wait for either. I used it all the time too. Like you, i have better cards now. In my opinion, sock drawer it or close it. Discover seems to have problems with secured -> unsecured and CLI's these days.
Really wonder if discover stretched out the time between CLIs with the secured cards (and pretty much everyone)..... Wonder if you have to wait at least 91 days after it becomes unsecured now to get a CLI... or even possibly a 6 mo cycle just like the APR reductions
@joltdude wrote:Really wonder if discover stretched out the time between CLIs with the secured cards (and pretty much everyone)..... Wonder if you have to wait at least 91 days after it becomes unsecured now to get a CLI... or even possibly a 6 mo cycle just like the APR reductions
I think whatever stomach bug Disco had is now flushed from their system as I spotted the fabled Disco Unicorn the other day. I think the wait is clearing from their systems since they produced a brand new baby 2-day message for another user.
SP'ing you is a good sign that someone's paying attn to your profile in anticipation of the 7th month conversion. Disco is a less is more type of situation for most profiles. I used the crock pot method with them for 2 years now and got 10X SL out of them in CLI's. When it comes to eyeing up the SP's though.... A watched pot doesn't boil! Find something else to concentrate on
Myfico scores Equifax 668 Transunion 669 Experian 644
I am just going to wait it out for now... I do have a Paid Tax lien on my Equifax report ( I have never NOT paid my taxes) The state made a mistake, and now they wont remove it. 7 Years ago I over collected unemployment by 675 dollard, and the state re routed my tax refund to satisfy the debt. I agreed to them using my tax refund, but no one ever disclosed to me that it would put a lien on my taxes REFUND to re route it to the department of labor. Otherwise, I would have just paid it, I had the money to do it. So furious, so I am hoping that the new rules for fico and tax liens will help. Until then, Ill just wait keep hoping for it to unsecure on its own.
** I DID fill out the "check my offers" on Discovers website, and the screen came up with a " How does your credit stack up" screen with a comparison chart to other cards on the market, and a big button that says apply now.... .Didnt actually say that I was prequal of preapproved... Do they normally say true PreQual on that form?
Not sure how to post a screenshot of it here.
Here's how to assess your odds with Disco:
23.x%+ = mostly a denial
3% spread say 15-18% = likely an approval
single APR = approval