Discover It Secured Question.

[ddamage]

Hello Fam.  

I always read here on the forums about how wacky Discover can be but I have had a 1000 dollar secured card since Feb 2019 and still haven't graduated. My FICO TU score is 644 which isnt high but my others are 678 and 667. Heck Penfed just gave me a 17.5k CC a month ago and Wayfair 4500 but not my Discover. I called last month but they said it was a computer decision thing. Should I call back and ask to speak to someone? Thanks in advance.

[Remedios]

Did you ever have a late payment with them, even if it wasn't 30 day late? 

What was your score when you got approved? Do you have other debt on your CR that's not going down? 

[ddamage]

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@Remedios wrote:

Did you ever have a late payment with them, even if it wasn't 30 day late? 

What was your score when you got approved? Do you have other debt on your CR that's not going down? 

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No sir. I havent been late on anything over the last 3-4 years. I don't recall my score when I got the secured card. 

[Remedios]

I guess you could call and talk to someone. I dont know if CSR would be able to shed any light on your situation because what you've been told is true, algorithm decides when, but it cant hurt to ask. 

Hold times might be really long, so chat might be a better option for you. 

[PutThatMoneyOnTheTable]

@Remedios sir? Hey mister?

@ddamage Remedios is a madam.

But there could be a number of reasons why your discovered haven't graduated.its not only based on scores and ontime payment with their card.they look at your overall report such as high balances on other cards, credit seeking behavior. 

[ddamage]

Gracias!

[Remedios]

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@PutThatMoneyOnTheTable wrote:

@Remedios sir? Hey mister?

@ddamage Remedios is a madam.

But there could be a number of reasons why your discovered haven't graduated.its not only based on scores and ontime payment with their card.they look at your overall report such as high balances on other cards, credit seeking behavior. 

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Ha! I'm so used to it, I dont notice it any longer 

[ddamage]

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@PutThatMoneyOnTheTable wrote:

@Remedios sir? Hey mister?

@ddamage Remedios is a madam.

But there could be a number of reasons why your discovered haven't graduated.its not only based on scores and ontime payment with their card.they look at your overall report such as high balances on other cards, credit seeking behavior. 

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Ok thank you. UTI is like at 22%. tu 644, eq678, ex667. 

[ddamage]

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@Remedios wrote:

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@PutThatMoneyOnTheTable wrote:

@Remedios sir? Hey mister?

@ddamage Remedios is a madam.

But there could be a number of reasons why your discovered haven't graduated.its not only based on scores and ontime payment with their card.they look at your overall report such as high balances on other cards, credit seeking behavior. 

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Ha! I'm so used to it, I dont notice it any longer 

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My apologies @Remedios  perdon. hehe

[Adkins]

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@ddamage wrote:

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@PutThatMoneyOnTheTable wrote:

@Remedios sir? Hey mister?

@ddamage Remedios is a madam.

But there could be a number of reasons why your discovered haven't graduated.its not only based on scores and ontime payment with their card.they look at your overall report such as high balances on other cards, credit seeking behavior. 

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Ok thank you. UTI is like at 22%. tu 644, eq678, ex667. 

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Maybe your utilization? It's that overall utilization? Or is it concentrated on one or a few cards?