Who has had a Discover Secured card graduate?

[Anonymous]

I've had my secured Discover a couple months. I want to add more money to it but I'm leary unless it has a very good chance of graduating.

[RandomSpirit]

I have. And I don't think that you're able to add more money to increase your secured limit. Or, at least that was not an option a couple years ago. 

[smith5879]

My girlfriend's graduated at the one year mark, this past February. She had the smallest amount you could put down for collateral, which was $200. As long as you don't accrue any new derogs and pay on time every month, they'll probably graduate your card as well.

[Anonymous]

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@RandomSpirit wrote:

I have. And I don't think that you're able to add more money to increase your secured limit. Or, at least that was not an option a couple years ago. 

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As of May 2015 the Secured Card now has the ability to add additional funds to increase your CL.

OP: I just got mine in October, so I can't be of much help but I have read other threads here where people have reported graduation of their cards. Some reported that their CLs stayed the same, while others reported a CLI upon graduation. YMMV

[Anonymous]

My 1 year will hit on 11/23/15. Hoping for graduation and will update whether it does or doesn't.

Just as an FYI, I did call at the very end of last month and asked if they were able to give me any promotional APR reduction such as 0% interest which they did for 12 months. I don't know if every secured member is eligible from the get-go or if it's because I'm close to the 1 year mark. Doesn't hurt to ask with the holidays upon us.

[Anonymous]

Jupiter Moon thanks a lot for the heads up I'll try it! I don't really carry a balance on it ever but that would be nice! And definitely update us I'm very curious. Seems most do graduate.

[Anonymous]

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@RandomSpirit wrote:

I have. And I don't think that you're able to add more money to increase your secured limit. Or, at least that was not an option a couple years ago. 

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You can add money to your secured limit because I have. Opened the card in July with a SL of $200 added $550 the same week i received the card. 

[Anonymous]

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@Anonymous wrote:

My 1 year will hit on 11/23/15. Hoping for graduation and will update whether it does or doesn't.

Just as an FYI, I did call at the very end of last month and asked if they were able to give me any promotional APR reduction such as 0% interest which they did for 12 months. I don't know if every secured member is eligible from the get-go or if it's because I'm close to the 1 year mark. Doesn't hurt to ask with the holidays upon us.

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I received this same offer last month too. Although I only use this card for gas and food purchases 

[Creditdreamer]

I haven't even had my first statement cut on my Discover it Secured yet and I just requested the promotion over chat and she came back and said 0% for 12 months on new purchases! Discover for the win again. I can't even believe how amazing they've been. They have a customer in me for life. Absolutely.

[Anonymous]

Smith, what did they increase her limit to?