@Anonymous wrote:I'm just not understanding. What did I do wrong for them to not graduate my secured card yet? I have had this card since May 2015. My credit score was pretty bad back then, low 500's. (Was new to the whole credit thing) I appled for a secured card back then and I had opened up the CC with a $300 deposit. Then a year later I wanted a credit increase but then they told me that I would have to use my own funds (deposit) in order to do it. So then I deposited $700 which raised my CL to $1000. Ive never had a late payment with them, and only ONCE have I paid the minimum amount (20.00) but I have always paid over so I can keep my monthly balance really low. I've called them about a couple months ago I believe it was around in July and they gave me the same BS answer that they have given me before "We review our secured cardmembers every month on the 15th to see if they are eligible or graduation blah blah" The 15th comes around every month and theres nothing changed. I was thinking that maybe they graduate your card if you have a zero balance for a couple of months or something, so I paid it off and my balance has been zero since September 2016. Sometimes I just get frustrated thinking about it and I want to cancel so I could get my deposit back but it was my first CC and I would lose so many points so its not even worth it. What should I do. My scores are 730 TU 735 EQ FICO 675
end rant.
Hi ChanChan.
I've come to the conclusion that there is no rhyme or reason with Discover. I got the card the same time as you, but called them yesterday to cancel since I see no point in continuing to tie up $2k when I could stick it in my IRA account. I'm not worried about the slight dip in scores from closing the card because my profile is a lot stronger now then it was when I first got the card. I'll know in a couple of weeks what kind of hit I'll take, but like anything my score will rebound. With your scores, you will be fine. There are others out there wanting your business. Good luck whatever you decide. We each have to do what is best for us.
Have a great week.
Thank you for the helpful advice austinguy907 and kaykay65.
The 730 TU score I had got from CK and it is also the same score number on credit wise by capital one account. I usually check my FICO score on the discover card website on a every other week basis. And it still says 675. BUT, Just signed up on the discover scorecard website and its telling me that my FICO is 666. HAH. So which one is it? 675 on the Discover credit card website and 666 on the Discover scorecard website. After giving it some thought, the only thing that is probably holding me back is these 2 PAID collections records (There was 4 but I sent out goodwill letters and 2 of them said yes and they had got deleted but the other 2 said no
) that I have on my account that I wish that they would get rid of...nothing I can do about that one eh? Other than wait 7 years??? 
. I suppose I could be a bit more pushy and call Discovers customer service more often. Something like every other week? Thanks for the replies everyone.
Congrats on the graduation!
Mine's 2 years old now and not graduated so I was going to say you're not alone, but it looks like yours was taken care of 