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So applied for the Secured card in March (had applied for unsecured when my score was poo in 2014 & 2015). Just put the bare minimum of $200 down. I've only used it when I had the 5% CB on dining and for paying monthly subs (Netflix like charges).
Got the letter sometime in mid-November that the card was now unsecured. So it took a little over 8 months for me.
I think my score was in the low 600s when I had applied and they are now stagnant in the 660s for EQ/EX and 680s for TU. I only wish I had thrown some extra $$ at the secured limit. Having a $200 card is kinda blah haha
Also got a $50 bump on Express (I use it maybe once every other month), $600 on Amazon (heavy use), $500 on BuyPower (credit steps increase at 6 mo point - very little use), $500 on QS & QS1 which were then merged into a $4K QS card (credit steps increase at 6 mo point).
Now if only Chase & AMEX would budge. They have been the heavy used cards lately. Heck I can't even get AMEX to let me in the Pay It Later door.
Disco didn't offer a CLI?
@Anonymous wrote:So applied for the Secured card in March (had applied for unsecured when my score was poo in 2014 & 2015). Just put the bare minimum of $200 down. I've only used it when I had the 5% CB on dining and for paying monthly subs (Netflix like charges).
Got the letter sometime in mid-November that the card was now unsecured. So it took a little over 8 months for me.
I think my score was in the low 600s when I had applied and they are now stagnant in the 660s for EQ/EX and 680s for TU. I only wish I had thrown some extra $$ at the secured limit. Having a $200 card is kinda blah haha
Also got a $50 bump on Express (I use it maybe once every other month), $600 on Amazon (heavy use), $500 on BuyPower (credit steps increase at 6 mo point - very little use), $500 on QS & QS1 which were then merged into a $4K QS card (credit steps increase at 6 mo point).
Now if only Chase & AMEX would budge. They have been the heavy used cards lately. Heck I can't even get AMEX to let me in the Pay It Later door.
Did you try for a CLI on the *now* unsecured Discover? Sometimes youll get one, sometimes not. but its usually a SP.....
If Discover shows you no love, (Denied for a CLI)... wait 3 months and try again.... You can try weekly if you wanted.. but usually every 30 days (so they see your updated score, remember they do a SP anyways to give you the in-account FICO score).... is a good option, but for the first one... just chill for 3 months if you get the denial....... If you decide to wait, youll likely see an auto-cli anyways.... and if you do see the auto (no luv push) go in and hit the luv button ....
Have not tried yet, I think I'm almost at 30 days since it unsecured
I will probably wait until the next statement cuts and reports, which is ~15th. Never really saw anybody getting unsecured so early so the thought didn't even cross my mind. Heck, I was just going to throw my tax return on there next year for giggles.
Not a bad idea...... Personally im awful at waiting.. but it sounds like a good plan.....
I really think they will likely throw you something.. just not sure how much on the first pass...
-J
@Anonymous wrote:So applied for the Secured card in March (had applied for unsecured when my score was poo in 2014 & 2015). Just put the bare minimum of $200 down. I've only used it when I had the 5% CB on dining and for paying monthly subs (Netflix like charges).
Got the letter sometime in mid-November that the card was now unsecured. So it took a little over 8 months for me.
I think my score was in the low 600s when I had applied and they are now stagnant in the 660s for EQ/EX and 680s for TU. I only wish I had thrown some extra $$ at the secured limit. Having a $200 card is kinda blah haha
Also got a $50 bump on Express (I use it maybe once every other month), $600 on Amazon (heavy use), $500 on BuyPower (credit steps increase at 6 mo point - very little use), $500 on QS & QS1 which were then merged into a $4K QS card (credit steps increase at 6 mo point).
Now if only Chase & AMEX would budge. They have been the heavy used cards lately. Heck I can't even get AMEX to let me in the Pay It Later door.
I too applied for secured credit card with Discover. At the time I could only afford $200 as well, but with responsible use I imagine it will unsecure in due time. Congratulations and best of luck on your credit journey!
You guys should read up on Discover here --->> http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538
Congrats on your Discover unsecuring! Hope you get the CLI when you go for it later this month!
Congrats......You're hard work will pay off!
Do let us know what happens with the CLI!