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Started my rebuilding journey around 3 years ago, and one of the first cards I was approved for was the Discover IT Secured. Flash forward somewhere between 12-18 months, and that card graduated with an increased CL of $750. Today, more than a year (closer to two) later, the card is still stuck at $750, despite many presses of the luv button. I've made significant progress in my rebuild, and now have the following accounts (from most recent to oldest):


Amex Bonvoy Brilliant: $3100

BoA Cash Rewards: $5500

Amex Delta Gold: $1000 (denied the 61 day 3x CLI around 1 month ago)

Citi Secured: $300 (won't budge, didn't graduate the first time around for whatever reason)

Discover IT: $750


I decided to check out the Discover prequal offers, and I was prequalified for all of their cards. Mostly convinced that my card was bucketed, I decided to apply for the Discover IT cashback (hoping to combine them at some point). Lo and beyold... APPROVED WITH AN SL OF $9000! Now I'm entirely convinced that Discover bucketed that card, but I am grateful (and shocked) for the SL.


Long story short, if you believe you've been bucketed, you probably have. Smiley LOL


Current Scores:

EQ: 654

TU: 638

EX: 673

Message 1 of 10
Valued Contributor

Re: Discover...



Good job!!

March 2020
Experian Fico 8. 686
Transunion Fico 8. 697
Equifax Fico 8. 714

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 2 of 10
Super Contributor

Re: Discover...


Message 3 of 10

Re: Discover...

Fantastic work, grats on the new Discover!
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 10
Senior Contributor

Re: Discover...

Congrats on your Disco approval and sweet SL!

Message 5 of 10
Valued Contributor

Re: Discover...

@abrinkman wrote:


Long story short, if you believe you've been bucketed, you probably have. Smiley LOL


Plenty of DP's on this getting stuck in a rut.


To combine you need the following:

Card has to be at least 12 months old

Card has to be eligible for a CLI (don't accept it and call in to combine)

Either move some or all of the CL to the card you want to keep and collect your CLI in the same call

500K+ TCL / 800+ FCOs
Message 6 of 10
Valued Contributor

Re: Discover...

Congrats on the new Disco and sweet SL!

Message 7 of 10
Established Contributor

Re: Discover...

Congrats!!! Nice limit as well!!


Goal Cards

Message 8 of 10
Moderator Emeritus

Re: Discover...

Great approval and it shows you earned your credit. Smiley Happy Enjoy your new found credit! Sometimes Secured Cards just don't move (speaking with experience).
Starting Score: 300
Current Score: 824
Goal Score: 850

Take the myFICO Fitness Challenge
Message 9 of 10
Established Member

Re: Discover...


Goal Cards:

Message 10 of 10
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