My Disco graduated after the 7th month with a lower TU FICO than yours. How they decide who graduates and who doesn't isnt exactly clear. I can tell you I plaid in full every month and usually had a util under 9% across the board on other cards. However, when I asked for a CLI once it graduated, they declined and said they'd need to see more evidence of responsibility with the unsecured version. The CSR also said in her opinion Disco was the most conservative major CC company, which sucks because with this 200 limit, in comparison to my CSP 10,000 limit, the Disco still gives better rewards with this cash back bonus thing. Just hard to carry a card that only has a 200 limit.
Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.
As of March 2018, Before The Fall:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500
TOTAL 2018 CREDIT LINE: $61,200
JUNE 2023 UPDATE
2020: COVID toppled me. All old accounts went into default. Business lost. Car repossessed.
2021: Cap1 let me back in (one secured/two not). Secured Mission Lane. AU on AMEX Gold, Citi Premier and Chase Sapphire. Car loan approved without cosigner for $20,000. All current.
Currently: No lawsuits. Thinking most SOL have expired on CC debt. Fingers crossed my math and memory are correct.
CURRENT SITUATION:
Mission Lane Secured: $3,400 (SL $400 -- unasked for CLI)
Capital One Secured: $300
Capital One QS1: $300
Capital One Savor: $1,000
Chase Sapphire Preferred: $10,000 (AU)
AMEX Gold: No Preset Limit (AU)
Citi Premier: $8,500 (AU)
SPRING 2026
ALL BADDIES DROP
