Discover Secured Graduation?

[Anonymous]

Mine also unsecured to $2,500 which is the highest that I've heard of to date.

[FireMedic1]

Congrats! That's around the normal amount. Now its time to prove you can handle credit before they'll hand out a CLI so soon. Give it 90 days or so. Use it and PIF. Then hit up the SP CLI button. You can try in 31 or 61 days. Its always a SP. But 91 seems to be the sweet spotin most cases. Good Luck!

[AlmostCreditGenius]

I’ve posted a couple of times on this topic, but I have an update. I will summarize my experience:
09/2018 - chapter 13 bankruptcy discharge
09/2018 - Discover secure card - $2500 CL
04/2019 - graduated unsecure - $2500 CL
07/2019 - request CLI, received $900 increase to $3400 CL

I just got the increase 1 day after my 10th statement. I called in to request the increase this morning. I immediately tried to “double dip” by doing the automated CLI request but was denied.

[Emierja99]

I am ecstatic to say the least. My Discover Secured Card has finally graduated after 7 months! Below are the data points for anyone else that may need clarity:

Current Scores
731 FICO 8 as of 7/17 from TU.

Previous Scores
601 FICO 8 TU

Previous SL : $500
Current SL: $1500
Rarely carried a balance on the account, and always PIF.
I have a recurring Hulu account that posts to the card as well as purchases of groceries and household needs that added up to around $2000 for the whole period I had the card.

No lates, baddies or returned payments.

Current Aggregate Utilization - 28%

Statement Cut- 7/24
Graduated - 7/29
Confirmed by logging on Discover account and seeing CLI
CLI page appeared, still no email.

[2B770]

Same here. I'm on month 12. Still insecured. Equifax 680; TransUnion 685; Experian 658. Prior to applying to discover...scores were 601/550/602. Never late with discover and utilization is always low. Mostly 0% bit always use card during the month...just never let any balance report. Not sure of what's happening. I'm a little frustrated. Btw...I have 2 collections that are paid (since 10 months ago) and 1 charge off paid since 12 months ago. I have 2 closed accounts with many 30/60/90s...but all are 12 months or much older. Not sure why I'm not graduating.

[Anonymous]

@Laura I thought you graduated 2 months ago

[Anonymous]

Congrats to all graduated. It's been almost 2 years no graduated card. Utilization low across all credit card accounts. 650 per discover website for FICO🙄 So frustrated when doing right by your credit and this one company seems to drag out graduating well for me anyways.

[Anonymous]

My 7th statement just cut August 3rd, I called Discover this morning just to see if my account was on my right track. The guy said yes just give it a couple days and you should see an e-mail if not then for sure next month "September." I was bummed out when he said probably next month but oh well, I decided to click on Credit Limit Increase and was taken to a different screen! I refreshed it to see if it was going to stay but unfortunately it went back to the security deposit screen, with that being said. Is this a sign for graduation or did I get a bugged out page?

[KJinNC]

I don't know about the screen you saw, but, I'd give it a week or so and see what happens. I am skeptical that the CSR knows more about it than you do, so I wouldn't parse his comments too much. He probably just mentioned next month as a worst-case or to try to get you not to call every day Good luck!

[Anonymous]

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@KJinNC wrote:

I don't know about the screen you saw, but, I'd give it a week or so and see what happens. I am skeptical that the CSR knows more about it than you do, so I wouldn't parse his comments too much. He probably just mentioned next month as a worst-case or to try to get you not to call every day Good luck!

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Sorry, it was the Credit Limit Increase screen where I input my income, rent, etc...