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Discover it secured graduation and 10x CLI!

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sourpuss29
Frequent Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations!  I'm a part of the Class of 2020 as well (got my card the same month as you). Smiley Happy

Message 11 of 28
sourpuss29
Frequent Contributor

Re: Discover it secured graduation and 10x CLI!


@jata_roots wrote:

thank you all! made some good moves apparently! I wasn't really consistent though I mean a few times I've been super close to credit limit, taken a few months to pay that down, then more recently the past few months I've paid off to $0 a few times in the one cycle. Maybe that's what did it I dunno. I could never put more down on the card (single mom of five here busting my ass) super determined to rise UP from where I've been. seriously so happy I wanna cry. $2000 may not seem like much to those with crazy high SL (no idea how those are possible lol) but this progress feels golden. 


You did the right thing by not adding more to the deposit; because from what I've read, those who chose to put a substantial amount down up front or max out their deposit later do not receive an increase upon graduating (e.g.  if they secured the card for $2500, that's what their limit stayed at when the card unsecured).

 

I also wanted to say that when it comes to playing the credit card "game", you shouldn't really put any stock into what others may think about your progress (especially as it pertains specifically to limit increases, because they are ALL a win). Smiley Wink

Message 12 of 28
GApeachy
Super Contributor

Re: Discover it secured graduation and 10x CLI!


@jata_roots wrote:

 this progress feels golden. 


It is!  Congrats on Graduating and enjoy your wonderful, new limit!Smiley Wink

My Take Home Pay Don't Take Me Home
Message 13 of 28
Rebuild2019
Valued Contributor

Re: Discover it secured graduation and 10x CLI!

Congrats on your graduation 🎓 and CLI.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 14 of 28
SweetCreditObsession
Valued Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 15 of 28
gdale6
Moderator Emeritus

Re: Discover it secured graduation and 10x CLI!

Grats to all your success Smiley Happy

Message 16 of 28
CreditAggie
Community Leader
Super Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations on your Discover graduation and CLI!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 17 of 28
19eighty5
Senior Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations on your card graduation!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 18 of 28
credit_is_crack
Valued Contributor

Re: Discover it secured graduation and 10x CLI!

Rock-on @jata_roots! I've seen quite a few various graduations today and you're up! 

Message 19 of 28
Meanmchine
Super Contributor

Re: Discover it secured graduation and 10x CLI!

Congrats and welcome to Discover's big boy/girl table

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 20 of 28
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