@RehabbingANDBlabbing wrote:@Panda800
While no one can claim to have figured out how Discover decides to upgrade cards, I am fairly confident that the recency of your BK is what the issue is. If yopu are paying on time and your scores are going, that definitely helps. I think most of my negative accounts had to hit the 2 year mark before my card unsecured. I still had high utilization, a few inquiries, and negative stuff reporting. I was using the card a lot, but they didn't graduate it until the 11th month. So I would not take it personally, you are probably up against a computer that has pre-programmed rules about negative items. That computer makes the decisions and is what is keeping you from graduating until you meet the criteria.
You are right. I'm feeling a bit better about it now that my NFCU has graduated, so i'm just going to leave the Discover alone keep paying it to report to $0 and see what happens. Hoping sooner rather than later but if not, there will be other fish in the sea for my rebuild. 
In the meantime, I would get them to switch you to the 5% program and start racking up some cash back. I got about $300 in cash back during my first year with the card and the did the match a couple of months after I hit the one year mark, so I have made over $600 by using this card. I still haven't paid them a dime in interest, so I suggest using this time to take advantage of the matching.
My TU was in the 620's when my Disco secured graduated right at month 7 (the day after my statement cut). I had a bankruptcy reporting that wasn't even a year old. I only put $200 on the card, used it and paid responsibly. It graduated to $1500.
Good luck!
Good luck!
Currently at 36 months my scores are eq627 tu643 ex645 I have some old lateS from like 2-3 years ago one collection aaoa 3.4yrs idk I'm thinking maybe it's how I've been using it
Mentioning again to maximize odds of people seeing it when it's helpful to know: you can PC Discover to the rotating 5% categories at any time, including when it's still secured, after your first statement. I assume that you can also PC it to the other products, like their Miles card, but why would you?
@KJinNC wrote:Mentioning again to maximize odds of people seeing it when it's helpful to know: you can PC Discover to the rotating 5% categories at any time, including when it's still secured, after your first statement. I assume that you can also PC it to the other products, like their Miles card, but why would you?
I can vouch for this -- I read this tip on this forum and called up and got the NHL 5% cash back just a couple months after I got my card (and about the time the Blues won the Stanley Cup -- Go Blues!). They were most accomodating!
And this quarter when the 5 percent applies to Amazon (otherwise known as "Santa Claus" in our house), this will be very very very helpful for holiday shopping!
I truly love how Discover respects you as much as they do as customers with 850 Ficos across the board and credit limits and spend 10x what I can put through.
@Anonymous wrote:
I’ve been looking all over to see any data points in re to graduating my disco. I opened disco back in 03/19 on 10/07/19 I hit my 7th statement. All scores were in the 500’s upon applying. I used to have Two cap 1 cards but Harvey (and myself) ruined that for me. My payment bounced and they closed all my credit accounts. I made the cap 1 payment on a Friday, then the entire city of houston was closed down so getting to the bank was impossible. I paid off the platinum and still owe 500 on the other cap 1 plat.
Sounds like we are in a similar boat -- I got mine in 3/29 and my first statement cut on 4/15. I changed my due date to the 20th to line up with my paycheck. So while technically, the 7-month statement mark would be 10/15, it won't actually cut until 10/27.
I've been basically using it like a debit card -- run it up, pay it down, rinse, repeat! I've been reporting balances of between 30 - 50 percent. However, PIF this past month and plan to do so again this month.
I've gone over the limit once by about 2 bucks (prime now tip)... but paid it off immediately while the charge was still "pending" I've had the card declined several times due to not enough available credit.
Balances on the defunct Cap1 cards are still high -- mainly because I used the money that I would have used to pay off Cap1 by putting down Security Deposits on other cards to establish new trade lines -- so have 2800 tied up in security deposits right now (1000 on Discover, 1000 on Citibank and 800 on USBank).
I'm really PRAYING that the fact that I have put so much spend through the card will motivate them to graduate me but not terribly optimistic... getting the 1000 bucks back would be extremely helpful at this point so I could pay down Cap1.
I've read a post that if you changed your due date, they still look at graduation based on the anniversary of what WOULD have been your 7th statement date rather than your new one. Does anyone know if that is true?
@ICHOU -- if you do find out you are graduated in the next couple of days, would really appreciate it if you could update this thread.
Thanks!