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Discover Secured Approved!!!

hampstenj
Established Member

Discover Secured Approved!!!

Starting the Credit Rebuild after hitting a few bumps in the road, been an AU on a couple of my wifes cards with Credit one and Merrick, and I have my own First Premier card, and decided to do the pre-qual on the Discover site, not expecting ANYTHING since my scores were in the low-mid 500 range just a couple of months ago, and bam pre-qualified for the secured card.. 

 

Sure it's Secured but the Cash back and the quick graduation rate I've seen from other posters makes me really happy to have a main bank card now.. Hoping to buy a house soon so this will help out for sure!

Message 1 of 11
10 REPLIES 10
AverageJoesCredit
Legendary Contributor

Re: Discover Secured Approved!!!

CongratsSmiley Happy EnjoySmiley Happy
Message 2 of 11
Masterlink
Frequent Contributor

Re: Discover Secured Approved!!!

Good start! Make sure to keep it paid every month and you'll be unsecured in no time.
$1,000 is a lot to owe, yet little to have.
Credit Cards

Debit Cards



Message 3 of 11
Marz2002
Senior Contributor

Re: Discover Secured Approved!!!

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval, your Rebuilding success, and Welcome to the Disco family!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 4 of 11
VoltronM
Senior Contributor

Re: Discover Secured Approved!!!

Congrats on your approval !!!!!
Welcome to Disco family

 

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 11
rebuilder85
Regular Contributor

Re: Discover Secured Approved!!!

Congrats! The the discover secured really helped me to rebuild. I hope it helps you bounce back as well!
Message 6 of 11
CreditRebuilder2020
Frequent Contributor

Re: Discover Secured Approved!!!

Congrats, from one fellow rebuilder to another! 

 

PIF and hopefully you'll get that sweet email after a random statement cut 6 months or so now from now letting you know that they're sending you a check in the mail and your card is unsecured! 

 

Treat that well and it will be a great start for you down the road. 

 

 


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 7 of 11
hampstenj
Established Member

Re: Discover Secured Approved!!!

I plan to do that.. I want to see if I can PC to the 5% CB card.. I've read that you can do that after the statement posts.. I'm  so glad to get a card in my name with Cash back even while secured.. I plan to treat this card as my daily driver for gas and dining out and pay it off often, so hopefully they love me as much as I'm loving them for giving me a shot after I destroyed my credit in young and stupid days lol

Message 8 of 11
CreditRebuilder2020
Frequent Contributor

Re: Discover Secured Approved!!!


@hampstenj wrote:

I plan to do that.. I want to see if I can PC to the 5% CB card.. I've read that you can do that after the statement posts.. I'm  so glad to get a card in my name with Cash back even while secured.. I plan to treat this card as my daily driver for gas and dining out and pay it off often, so hopefully they love me as much as I'm loving them for giving me a shot after I destroyed my credit in young and stupid days lol


You and me both! Also you are exactly correct on the PC. I did that immediately with my Discover, they have just been a stickler with giving me a CLI. Mine is still a measley $200 unsecured line. However, the 5% cash back is very nice, been using it on grocery store runs and paying the balance of in full right away. 

 

Sounds like you've got a plan, which is great!


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs
Message 9 of 11
Remedios
Moderator

Re: Discover Secured Approved!!!

Congrats on your new card 

Message 10 of 11
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