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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
Mega 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

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Message 3 of 11
Marz2002
Valued 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 BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
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. 

 

 


AMEX Gold / Apple Card $1500 SL / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1200 / Cap One QS1 - $850 / Blaze MC $1750 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $21500 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
NEW GOAL SCORE: 725 for ALL FICOS
CURRENT MAY of 2021: EX 692 EQ 696 TU 706
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!


AMEX Gold / Apple Card $1500 SL / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1200 / Cap One QS1 - $850 / Blaze MC $1750 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $21500 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
NEW GOAL SCORE: 725 for ALL FICOS
CURRENT MAY of 2021: EX 692 EQ 696 TU 706
Message 9 of 11
Remedios
Moderator

Re: Discover Secured Approved!!!

Congrats on your new card 

Message 10 of 11
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