Has anyone had the secured Discover It card after a BK and received an auto-CLI when it graduated? I'm trying to see if I should increase my secured limit to ensure a higher limit upon graduation, or if it can graduate and grow with a BK reporting.
if I could go back in time and redo my journey with my secured discover. I would most definitely max out the deposit.
I graduated at 7 months with a TU score of 645. No auto CLI at graduation. My Highest SL at that time was 6K and average credit line was 3K.
Yet my discover graduated at $200 and stayed at that until the 10th statement. I then got a $200 auto and $200 LUV button increase to $600.
Over a year since app and still at $600 can’t get any LUV from discover.
Recently was approved for a 19K SL on another card yet I can’t get a measly CLI on discover.
I always maxed the card out each month and paid in full. Often times paying several times a month as it was my only rewards card for a while and $200 goes quick
Opened the card with a 576 TU score.
I graduated at 7 months with a TU score of 645. No auto CLI at graduation. My Highest SL at that time was 6K and average credit line was 3K.
Yet my discover graduated at $200 and stayed at that until the 10th statement. I then got a $200 auto and $200 LUV button increase to $600.
Over a year since app and still at $600 can’t get any LUV from discover.
Recently was approved for a 19K SL on another card yet I can’t get a measly CLI on discover.
I always maxed the card out each month and paid in full. Often times paying several times a month as it was my only rewards card for a while and $200 goes quick
Opened the card with a 576 TU score.
Thanks! That's crazy. Definitely going to add more to it then.
From other posts I’ve seen most people do get auto CLI at graduation. Not sure why I didn’t. It could have been all the new accounts I added during my time with discover. But I always have $100-$200 report at the max on 50K in available credit. I slowly added accounts during my rebuild. I would do 1 sometimes 2 apps with new card approvals and then wait another 3-6 months before applying for anything else to show some positive history with those newly added cards.
Wow! Nice! How long after IIB did you get your secured card with them? I'm wondering if you got such a big increase because a lot of time had already gone by since your BK? Or did your scores just improve significantly during those 9 months?