Discover IT Secured?

[Anonymous]

How would I go about getting the Discover IT Secured?

I have applied before and got denied for the Discover IT but, I didn't get the option for the Secured.

Is this something they don't offer anymore?

[Closingracer99]

They offer it but you need to be declined for the regular IT card first 

[myjourney]

The card is not offered to everyone who is declined unfortunately 

[Anonymous]

---

@myjourney wrote:

The card is not offered to everyone who is declined unfortunately 

---

Should I try to apply for the Discover IT and see if they offer it to me?

[myjourney]

---

@Anonymous wrote:

---

@myjourney wrote:

The card is not offered to everyone who is declined unfortunately 

---

Should I try to apply for the Discover IT and see if they offer it to me?

---

More info needed 

Scores (Fico)

Baddies

Other TL's 

AAoA

[Closingracer99]

---

@Anonymous wrote:

---

@myjourney wrote:

The card is not offered to everyone who is declined unfortunately 

---

Should I try to apply for the Discover IT and see if they offer it to me?

---

How long ago did you apply and do you have any other history? 

[Vivid]

No. From what I read It doesn't unsecure. That makes it a no go if you ask me...Plus it sounds like you could waste a hard pull and still not get offered either.

[jsucool76]

Yeah it is basically a counter offer when applying. In my opinion, not worth it to apply for anything if you think you're going to get denied. 

Back in the day (please someone correct me if this is no longer true) the BoA secured seemed to be the best secured card out there because it A) graduated, and B) you could get the 1-2-3 rewards on it. 

The cap1 card was also decent because (once again, correct me if I'm wrong) didn't report as a secured card, but rather as a regular credit card, so you could pop a good chunk of change into it and it would appear on your credit report as a regular credit card. 

Also, I believe SDFCU offered a secured card that didn't require a hard pull to acquire. Not sure if this is still the case. Perhaps some others could chime in. 

[myjourney]

---

@jsucool76 wrote:

Yeah it is basically a counter offer when applying. In my opinion, not worth it to apply for anything if you think you're going to get denied. 

Back in the day (please someone correct me if this is no longer true) the BoA secured seemed to be the best secured card out there because it A) graduated, and B) you could get the 1-2-3 rewards on it. 

The cap1 card was also decent because (once again, correct me if I'm wrong) didn't report as a secured card, but rather as a regular credit card, so you could pop a good chunk of change into it and it would appear on your credit report as a regular credit card. 

Also, I believe SDFCU offered a secured card that didn't require a hard pull to acquire. Not sure if this is still the case. Perhaps some others could chime in. 

---

Right on all 3 juscool

[AvadaKedavra]

---

@jsucool76 wrote:

Yeah it is basically a counter offer when applying. In my opinion, not worth it to apply for anything if you think you're going to get denied. 

Back in the day (please someone correct me if this is no longer true) the BoA secured seemed to be the best secured card out there because it A) graduated, and B) you could get the 1-2-3 rewards on it. 

The cap1 card was also decent because (once again, correct me if I'm wrong) didn't report as a secured card, but rather as a regular credit card, so you could pop a good chunk of change into it and it would appear on your credit report as a regular credit card. 

Also, I believe SDFCU offered a secured card that didn't require a hard pull to acquire. Not sure if this is still the case. Perhaps some others could chime in. 

---

The Discover IT secured also graduates and you get the cash back on it. The only downside is if you're even lucky enough to get the counter offer you only have a short amount of time to accept which may limit the amount of money you can put on for the secured version...I think I only had two days to accept.