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Question about Secured Discover

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ccpat
Frequent Contributor

Question about Secured Discover

My secured Discover is coming up on one year on Feb 9th.  What should I expect and when should it happen?  Should I app for a second Discover?

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Question about Secured Discover

Are you referring to graduating to an unsecured card?

If so I've seen people stay ungraduated for 2 years with it. It all depends on your FICO scores, income, etc.
Message 2 of 5
ccpat
Frequent Contributor

Re: Question about Secured Discover

TU score is 657.  Income is $92K.  No lates, over limit, etc. I hope I am able to graduate to an unsecured card.  Should I make the request?

Message 3 of 5
Anonymous
Not applicable

Re: Question about Secured Discover

You don't request to get it unsecured after your next statement they will review the account and if you see your CL has changed you'll know it's unsecured you should expect a letter in the mail a few days later with a check for the amount you deposited. But from what I've seen 660-670 is what they usually graduate you're really close so maybe it'll go through. I definitely wouldn't apply for a new card with them though.
Message 4 of 5
ccpat
Frequent Contributor

Re: Question about Secured Discover

OK  Thanks.

Message 5 of 5
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