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Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

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Anonymous
Not applicable

Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Wook up yesterday to an e-mail from discover with the subject line of "Congradulations" as i eagerly opened this email i was surprised to see that they were returning my 200$ secured card deposit and upping my credit limit to $1,500! Happy as i am i found this odd as from what i read on the forums i was under the impression this normally only happened after a statement cut. My discover statement doesnt cut until the 6th of each month (Yesterday was the 26th). 

 

I did just get a huge credit increase though for finishing up my student loan forgiveness program, bringing my average FICO score up to over 700 now ( I was around 580 when i got the secured card). 

 

Anyhow i just wanted to brag a little bit and relish in my credit victories. I started out this journey last November when i got out of prison. I had a student loan in collections and an average score of 540. No credit cards and no credit to speak of. Capital one gave me a unsecured card with a $300 which is now a $500 limit. I got a $200 secured Navy Federal card that graduated to a $2,000 unsecured card last month. And now my $200 Discover card just graduated as well! My current scores hover around 700 for all 3 bureaus. This is more than i ever would of hoped faster than i ever could of imagined! Thank you all for your advice, posts, and most of all for keeping me from accepting those sub-prime offers that came in the mail when i needed some extra cash. 

 

I'm meeting with a loan officer in a few weeks to see if i can't buy a condo for the same monthly cost as my rent payments. I never thought id even be having this discussion within the next few years let alone the 8 months its been. These forums are amazing and i can't thank you all enough.

Message 1 of 11
10 REPLIES 10
HighAchiever
Established Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congratulations on your progress and keep it up!!!   Smiley Happy

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 2 of 11
FireMedic1
Community Leader
Mega Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congrats on your graduation! Its a step in the right direction. Best of luck on your road to recovery. Put your mind to it and you'll get there. Good Luck!


Message 3 of 11
M_Smart007
Legendary Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congrats on The New Grad.Smiley Happy

Message 4 of 11
HighAchiever
Established Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!


@M_Smart007 wrote:

Congrats on The New Grad.Smiley Happy


DISCO FEVER!!! Lmao...  🤣

“Most people work just hard enough not to get fired and get paid just enough not to quit.”
Take the myFICO Fitness Challenge

Inquiries: Experian - 4 | Equifax - 3 | TransUnion - 3



Message 5 of 11
gdale6
Moderator Emeritus

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Grats on the graduation and CLI and good luck with the condo Smiley Happy
Message 6 of 11
1hotcat
Regular Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congrats on your progress !!!!


Starting Scores:




Starting Score: 500
Current Score: 744
Goal Score: 800 (All 3 Bureau's) June 2025 **


Take the myFICO Fitness Challenge
The 1st stone looks just like a stone until one day you realize that you put one on top of the other and now it's a skyscraper .  

Message 7 of 11
tbque
Valued Contributor

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congrats on the Disco graduation and good luck with the Condo!





Message 8 of 11
Anonymous
Not applicable

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

Congratulations. By "last November" do you mean Nov. 2018, 9 months ago? If so, way to go! (Impressive still if it was Nov. 2017)

Message 9 of 11
Anonymous
Not applicable

Re: Discover card graduated. Not even close to my statement day! / Thank you to the FORUMS!

That is correct! 9 months ago
Message 10 of 11
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