Discover Secured

[Anonymous]

Is there a secret to getting this offer? I've submitted three apps the last few months and nothing....

[Anonymous]

I'm wondering if I should try the backdoor recon number tomorrow?

[Skye12329]

I dont think i have heard of a Discover Secured card, I know there is a joint version if you dont qualify and it occasionally gets offered. 

[Anonymous]

I have read on here taht Discover does not do Recon. I have recently been denied Discover It by the system. I called the backdoor number but the CSR was of no help and told e to have a joint application. I then called their EO and spoke to a lady. She assured me that she will reach out to the leadership team of my region and have them take Recon my application. She then called me yesterday that Discover have decided to approve my application with 1k SL. 

Try calling this number and expalin to them what exactly you are looking for; 302 328 3300

Please do update us so it may help others

[Anomalous]

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@Anonymous wrote:

Is there a secret to getting this offer? I've submitted three apps the last few months and nothing....

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I've only heard of it as being an instant counter offer when you submit an application online for an unsecured card and you're denied.  

[SecretAzure]

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@Anomalous wrote:

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@Anonymous wrote:

Is there a secret to getting this offer? I've submitted three apps the last few months and nothing....

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I've only heard of it as being an instant counter offer when you submit an application online for an unsecured card and you're denied.  

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Same, I've only heard this.

[CreditCuriosity]

People can still get flat out denied witout the secured offer or join account offer as far as I know.. I was denied a year+ ago when the secured card was a new things and thought I would be offered it, but nope..

Last app discover will ever get from me.  Just as I don't see a need for them in my profile anymore

[Anonymous]

It is a counter offer. I have the discover it chrome secured. I was offered it instantly insted of a flat out no. you have 7 days to accept the offer and fund the secured account. The only thing that sucks is that there is no increasing you limit by putting more down like Cap one or some others I have seen.

[SecretAzure]

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@Anonymous wrote:

It is a counter offer. I have the discover it chrome secured. I was offered it instantly insted of a flat out no. you have 7 days to accept the offer and fund the secured account. The only thing that sucks is that there is no increasing you limit by putting more down like Cap one or some others I have seen.

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That sucks but only temporarily. It doesn't report as secured so creditors see that you have the actual "It" or "It Chrome" cards. They'll auto-CLI you when they see you using your card correctly. Capital One sucks (still have it). They will only increase you by matching every dollar you deposit (later on, not when you applied). Meaning, if you get approved for $100 CL with a $50 deposit, in order to get to $200 CL, you'd have to deposit an extra $100. This sucks, it has an AF, and has a terrible APR.

[Anonymous]

Yeah the secured card market isnt always fun to deal with. In most cases however with good use they will trat you well. I myself had a Cap one secured put down $200 for a $200 limit. After the 6th statement I got bumped to $500. That same day I check the Cap one pre-qual site and was approved for a QS1 with a $500 limit. Discover hasnt offerd any CLI but they keep telling me after 1yr it may graduate. Either way I love discover for their amazing customer service, great cash back and one of the best online stores. My baby Discover only has a $200 limit but I use it all the time and PIF a few times a month.