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Discover It Secured Card Didn't Unsecure After One Year

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markymark313
Valued Member

Re: Discover It Secured Card Didn't Unsecure After One Year

Where can I apply for the secured discover? I don't see that they offer a secured card on their website.
Message 21 of 26
OMW2_HighAcheiver
Established Contributor

Re: Discover It Secured Card Didn't Unsecure After One Year

marky you have to be delined for a regular card. They may or may not counter offer with the secured.




Message 22 of 26
markymark313
Valued Member

Re: Discover It Secured Card Didn't Unsecure After One Year

Applied. Was denied. No counter offer. Smiley Sad

Message 23 of 26
Anonymous
Not applicable

Re: Discover It Secured Card Didn't Unsecure After One Year


@markymark313 wrote:

Applied. Was denied. No counter offer. Smiley Sad


Don't feel bad, I've tried four times over the last year. I think I've finally decided I don't really need Discover.

Message 24 of 26
LadyVee
Regular Contributor

Re: Discover It Secured Card Didn't Unsecure After One Year

The key is to apply for the student card in order to get the counter offer for the secured card.

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500
Message 25 of 26
Anonymous
Not applicable

Re: Discover It Secured Card Didn't Unsecure After One Year

I have obtained the Discover It Secured Card about 14 months ago, having FICO scores around 620 and a number of chargeoffs back in 2011.

Now my FICO scores have recenty improved from about 650 to about 685. My payment history is perfect -- usually I pay off my credit cards entirely sevaral times per month.

I now have a Visa Signature card, and Capital One has ugraded my Quicksilver One to Quicksilver.

The Discover It Secured Card still didn't graduate. I guess Discover doesn't like me much.

Message 26 of 26
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