Discover secured reward change question

Anonymous · ‎11-16-2016

I switched my secured from chrome to the IT reward structure a few months back. Does anyone know if that reset my graduation? If so, I'll just cancel.

Kind of frustrated I haven't graduated yet. No negs, 1 new account in 6 mo. 1% util

austinguy907 · ‎11-16-2016

Doesn't reset the clock with the PC to IT.

Lately people have been graduating around month 7 with their new policy. Might be time to hit them up on chat to see if you're ready to convert!

creditguy · ‎11-16-2016

Switching rewards structures has no negative effect on your graduation status, How old is your account?

Anonymous · ‎11-16-2016

I'm about to hit my 20th statement.

My most recent FICO on my statement says 791.

Most recent discover scorecard (think that's EX) is 798.

creditguy · ‎11-16-2016

Yikes almost 20 months and no graduation? That's pretty odd, hopefully with their new changes they start graduating older accounts. Seems like you've been lost in the crowd because your profile definitely warrants graduation. I have a feeling calling and asking will only get a canned response. Hope you hear something soon.

Anonymous · ‎11-16-2016

@Anonymous wrote:
I'm about to hit my 20th statement.

My most recent FICO on my statement says 791.

Most recent discover scorecard (think that's EX) is 798.

good god, i cant believe you havent graduated yet with 20 months and a FICO score that high. I would cancel it and apply for the un secured card and i bet you would get a decent starting limit

austinguy907 · ‎11-16-2016

Wow 790's and still secured..... .that's insane!!! Definitely time to chat or call them about that. There can't possibly be any reason to not convert and grow your limit!