Welcome and Congrats! Not everyone gets offered the secured card version. Treat it well and it will treat you well.
Thanks. I am glad to be part of the Discover Famiy and going to treat this account well. my credit is bad so I am working toward to improve it and get it to at least a credit in high 600s .Discover is the beginning. I call discover today to confirm my status.CSR says everything has been proceess I should recieved the card this week.
hello Jedi Pimper Master,
I truly understand where you are coming from .I was in the same boat and still there. i loss my job, car was repo and loss apartment, credit card debit all in 2013 and was homeless too all was due to my car accident and my credit score was 400. I couldnt get any secured or unsecured card at all due to my credit at the time. It two me two years later and hard work to finally get credit card in to 500's which my score was 520 a time. My goal is reestablished my credit and be very careful. Now i am. So that when discover came out with secured card in 2015. I wanted to get in with them because the current cards I have are all bad card like milestone, first access, total card, first premere, credit one they high annual fees, high interested rates but it help me establish my credit they are also create some pitfall so I willl tell everyone to avoid theses all theses at all cost they are cards and not good to keep permananetly. If you have to get one to established or rebuild credit pay it off one time help raise your score apply and get approved a much better card That happens with me with Discover card. I appy with Discover card put up 200 depost I did this online it took about 5- 7 days i recieved email saying congratuations I was appproved and I will recieved card witn 5-7 days and credit limit is 200.00 security deposit that hold if the discover graduated to unsecured back then they said they will review my account in 12 months that back in 2016 after had my secured account. 2017 and 2018 no upgrade, Now 2019 it is 8,months they change their rules I pay my card every month never late paid account keep it with 30 percent under. they never graduated even after three years outstanding credit with them I was started to give up and was going to closed and get my secured deposit back. My credit score is now at 614 so from 530- 614 that is some progress. I was recently approved capital one unsecured 750 and parital secured 99 down with 500 credit limit. I was getting tired of this discover secured card. I put three years in this card no graduate or nothing. the only thing it did it raise my score and capital one given me chance. i thank you for that Just I about to cancel this card. this just happened last month(FEB) discover card sent me an email says congratutions we are send your security back 200.00 and upgrade you to unsecured discover card and your new credit limit is 2000.00 because of how you manage my account I was completed shock I was so ready get rid of this card. After all of time 2016-2018 no graduate then all of sudden its 2019 graduation. i was really shock . I dont understand why they denied you when you doing great proress. You should have gotten immediately approval with no problems I really dont undertsanding Discover policies they are not consisted. I can see why you dont want to try again becuase it would be an inquiry on your credit report and hurt your score and because you have already been denied by them once. I wouldnt apply if they denied me once before. Love to hear your input.
I can’t out why Discover denied me for the secured card. I’m still shaking my head about that one. (Mod cut) Right now my credit situation is on hold I feel. I think perhaps maybe I’m with a rival competitor and maybe Discover does not like it that I have a Capital One Credit card. That’s the only reason that I can think that I’m getting blocked for the Discover secured card. Email me perhaps we can talk on the phone.
I'm a fellow rebuilder, it's frustrating but keep your eye on the prize! That is a great job to secure that SECURED card. I can remember getting denied for both Cap One and Discover Secured cards over 2 years ago.
After 2 1/2 years into my rebuild, I just acquired an Amex Platinum, which was my goal card. I had a Vantage 3.0 score of 404 in early 2017.....so trust me I've been there. There is some great support on these forums as I'm sure you're finding out. Keep posting and sharing your progress. This is a great start!
My DISCOVER IT Secured Card graduated after 14 months and they still haven't given me a CLI, in fact they've shot me down twice, my card went unsecured back in November - They're sitll squirley with me, but that's just fine.
Keep up the good work! You'll get there!
I am so glad to have the support for people everyone here on the board going through the same thing. I been really good and care with my discover card ever since they convert over to unsecured . I am very happy with my discover and they gave a chance it took a long time hard work does pay off. This best card with good limit to have. I only use it for groceries and phone bill. I am very cautions and carefully using it so hopefully down the line I get CLI but right now I enjoying it. The key is be patience, stay under 30 % of credit limit and pay bill on time. Someday I want to AMEX card in the future. I am keep working on it.
when I applied for and approval for discover secured card in the beginning I had a capitalone quicksliver card. so I dont understand discover reasons for denied you discover because that. (Mod cut-release of personal info on the forums is prohibited by our TOS)