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UPDATE on my Discover Secured

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Frequent Contributor

UPDATE on my Discover Secured

Hi everyone. My 7th statement cut the day before Christmas Eve, so the next day I used their online chat to ask a rep if my card graduated. He said he could see that I had my first account review the day before and unfortunately it didn’t graduate, but my next review would be January 23rd and it could possibly happen then 😔

 

But this morning I woke up to that wonderful Congratulations email that not only did my card in fact graduate, but they bumped my limit from 200 to 1500! My heart actually skipped a beat because after months of anticipation and then chatting with that rep, I was not expecting graduation let alone a nice increase! That really made my day 😁

BK7 DC 1/2/2018


Starting Score: 512 Experian FICO 1/7/2018
Current Score: EXP 641 // TU 646 // EQ 665
Current Util: 8% TCL: $11,450
Message 1 of 13
12 REPLIES 12
Regular Contributor

Re: UPDATE on my Discover Secured


Congrats...and that 23rd January reminds me for requesting CLI on two of my CITI cards...LOL...been waiting to complete 6 months...Smiley Wink
@CashBackQueen wrote:

Hi everyone. My 7th statement cut the day before Christmas Eve, so the next day I used their online chat to ask a rep if my card graduated. He said he could see that I had my first account review the day before and unfortunately it didn’t graduate, but my next review would be January 23rd and it could possibly happen then 😔

 

But this morning I woke up to that wonderful Congratulations email that not only did my card in fact graduate, but they bumped my limit from 200 to 1500! My heart actually skipped a beat because after months of anticipation and then chatting with that rep, I was not expecting graduation let alone a nice increase! That really made my day 😁


 

Message 2 of 13
Senior Contributor

Re: UPDATE on my Discover Secured

Congratulations on your card graduating!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 13
Valued Contributor

Re: UPDATE on my Discover Secured

Congrats!!!👏👏👏

😊




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 650(within a year)


Take the myFICO Fitness Challenge

























Message 4 of 13
Frequent Contributor

Re: UPDATE on my Discover Secured

So I read your post and decided to chat with a rep. I asked if my Discover card graduated. I got an odd response. The CSR stated that starting 1/6/19 billing cycle, on the 7th statement my account will begin to be reviewed. That my card has not graduated just yet. They said it in a way that they have not reviewed my account yet but that they will soon. Idk I guess in a couple of days we will see what happens. Today my 7th statement cuts.
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17%
Message 5 of 13
Frequent Contributor

Re: UPDATE on my Discover Secured

Thanks everyone!

 

@CivilV you won’t know today. It takes a couple days after the statement cut date, and until then it looks like you did not graduate as far as the reps can see. I think it’s totally computer automated. Good luck to you!

BK7 DC 1/2/2018


Starting Score: 512 Experian FICO 1/7/2018
Current Score: EXP 641 // TU 646 // EQ 665
Current Util: 8% TCL: $11,450
Message 6 of 13
Valued Contributor

Re: UPDATE on my Discover Secured

Congrats on the graduation and CL!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 13
Established Contributor

Re: UPDATE on my Discover Secured

From $200 to $1500, that's great!
Congratulations!

I won't add extra to my security because it seems like they look at a lot of variables.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


Take the myFICO Fitness Challenge




Message 8 of 13
Frequent Contributor

Re: UPDATE on my Discover Secured

@xtra I think as long as you treat the card well and continue to improve your profile, Discover will reward you. There is that occasional case where a person does everything right and still can’t get their card to graduate, but for the most part Disco cards have been graduating and increasing left and right lately.

BK7 DC 1/2/2018


Starting Score: 512 Experian FICO 1/7/2018
Current Score: EXP 641 // TU 646 // EQ 665
Current Util: 8% TCL: $11,450
Message 9 of 13
Established Contributor

Re: UPDATE on my Discover Secured

@CashBack no worries here. I'm confident of my rising data points and spend. I just don't feel it necessary to add to my security.
A couple of months to go! 👍😊
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


Take the myFICO Fitness Challenge




Message 10 of 13
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