topic Re: Discover Graduation in Credit Card Approvals

Discover Graduation

Anonymous — Wed, 20 Jan 2021 17:38:40 GMT

I opened a secured Discover in July 2019 and it took until TODAY to graduate to an unsecured card with a $1500 limit.

When I got the card I had a FICO 8 of 492 (yikes) and now it's 642.

My freebie scores are currently at 714 with all three bureaus and I have opened a handful of new CCs in the past year as my credit rebuilds.

I had a returned payment in December 2019 (forgot to switch my payment info to a new checking account) that I immediately realized and called to cancel/pay with the correct account but the damage was done I guess.

My credit file includes a few paid charge-offs and 2 collections which are in a payment plan.

No idea what their formula is but happy I finally got my deposit back!

Re: Discover Graduation

gdale6 — Wed, 20 Jan 2021 17:47:54 GMT

Grats on your graduation and CLI to 1500

Re: Discover Graduation

AllZero — Wed, 20 Jan 2021 19:13:30 GMT

Congratulations on your graduation 🎓!

Re: Discover Graduation

cashorcharge — Wed, 20 Jan 2021 19:17:03 GMT

That's terrific! Congratulations on your graduation approval!! 🎉🥂

Re: Discover Graduation

blindambition — Wed, 20 Jan 2021 20:03:44 GMT

You all growed up!!! Congrats on your graduation!!!

Continued success!!

Re: Discover Graduation

Anonymous — Wed, 20 Jan 2021 20:05:06 GMT

Congratulations!!!

Re: Discover Graduation

kidink1911 — Wed, 20 Jan 2021 21:31:33 GMT

Congratulations on your Discover graduating!! Enjoy!

Re: Discover Graduation

Anonymous — Wed, 20 Jan 2021 21:43:07 GMT

Congrats on the Graduation!

Re: Discover Graduation

BAD_UP — Wed, 20 Jan 2021 22:42:38 GMT

Congrats on you Discover Graduation & CLI🎉👍

Re: Discover Graduation

Yeliaba1 — Thu, 21 Jan 2021 00:31:00 GMT

Congratulations!!

Re: Discover Graduation

SweetCreditObsession — Thu, 21 Jan 2021 08:10:57 GMT

Congratulations on the graduation and the nice credit line!

Re: Discover Graduation

CreditAggie — Thu, 21 Jan 2021 15:56:33 GMT

Congratulations on your Discover graduation and CLI!

Re: Discover Graduation

M_Smart007 — Thu, 21 Jan 2021 16:20:36 GMT

Congratulations!

Re: Discover Graduation

MyFault — Thu, 21 Jan 2021 17:51:17 GMT

Congrats on your Disco graduation and CLI!

Re: Discover Graduation

JoeLuvsHisCredit — Fri, 22 Jan 2021 02:25:01 GMT

Re: Discover Graduation

mgood — Fri, 22 Jan 2021 03:22:10 GMT

Congratulations!

Re: Discover Graduation

Iusedtolurk — Fri, 22 Jan 2021 03:40:55 GMT

@Anonymous wrote:
I opened a secured Discover in July 2019 and it took until TODAY to graduate to an unsecured card with a $1500 limit.

When I got the card I had a FICO 8 of 492 (yikes) and now it's 642.
My freebie scores are currently at 714 with all three bureaus and I have opened a handful of new CCs in the past year as my credit rebuilds.
I had a returned payment in December 2019 (forgot to switch my payment info to a new checking account) that I immediately realized and called to cancel/pay with the correct account but the damage was done I guess.
My credit file includes a few paid charge-offs and 2 collections which are in a payment plan.

No idea what their formula is but happy I finally got my deposit back!

@Anonymous Congrats after a year and a half they did you well! How much was your initial deposit?

Keep up the good rebuild momentum.

Re: Discover Graduation

Anonymous — Mon, 25 Jan 2021 15:51:05 GMT

Thanks! I started with a $500 deposit.

Re: Discover Graduation

TC1212 — Sun, 21 Feb 2021 05:18:53 GMT

Mine finally graduated today. I opened it in July 2018. Started with a $500 limit then moved it up to $700. In February 2019 I had a returned payment, which caused me to also go over the limit. 😬😬 (I didn't pay attention to the account I selected for the payment) I got the email tonight. They are returning deposit and raised limit to 1k.

Re: Discover Graduation

Demented1 — Sun, 21 Feb 2021 22:30:25 GMT

@Anonymous wrote:
I opened a secured Discover in July 2019 and it took until TODAY to graduate to an unsecured card with a $1500 limit.

When I got the card I had a FICO 8 of 492 (yikes) and now it's 642.
My freebie scores are currently at 714 with all three bureaus and I have opened a handful of new CCs in the past year as my credit rebuilds.
I had a returned payment in December 2019 (forgot to switch my payment info to a new checking account) that I immediately realized and called to cancel/pay with the correct account but the damage was done I guess.
My credit file includes a few paid charge-offs and 2 collections which are in a payment plan.

No idea what their formula is but happy I finally got my deposit back!

Absolutely AWESOME news…a late congratulations, but nonetheless congrats @Anonymous on your Graduation!