Discover Secured Graduation?

[Anonymous]

@Anonymous Were you ever graduated?

[Anonymous]

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@Anonymous wrote:

@Anonymous Were you ever graduated?

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@Anonymous  Not yet. Had a pop up asking for confirmation of direct deposit method but thats it. Maybe next statement.

[AlmostCreditGenius]

Yes... I took the devil by the horns 😈 and I graduated!

[Anonymous]

@Anonymous I received that same message on 4-23 in the app- it asked me if I wanted me to confirm the checking account number- I noticed on my transunion cr they checked it on 4-21- thanks for responding 

[Anonymous]

@AlmostCreditGenius @Congrats to you!! Did you get the message in the app about how you want to receive your deposit back?

[RobertK]

coming up on my third statement first week of june and still haven't graduated

started with 626 FICO EXP and at 624 now

put $200 limit on the card 

run about $700 through the card paying off multiple times throughout the month

haven't reported a balance

not sure why it hasn't graduated yet 

[Anonymous]

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@RobertK wrote:

coming up on my third statement first week of june and still haven't graduated

started with 626 FICO EXP and at 624 now

put $200 limit on the card 

run about $700 through the card paying off multiple times throughout the month

haven't reported a balance

not sure why it hasn't graduated yet 

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@RobertK Little confused. Discover doesn't generally graduate cards before the 7th ish statement. So has it really only been three months or is that a typo?

If thats not a typo it hasn't graduated bc its way too early to expect that. 🤷🏽‍♀️

[RobertK]

yeah 3rd statement on its way soon

i didnt realize have to wait 7 statements

thanks for the info

[Anonymous]

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@RobertK wrote:

yeah 3rd statement on its way soon

i didnt realize have to wait 7 statements

thanks for the info

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No problem. Thanks for updating. 

[Jervo007]

After blowing my chances with a Wells Fargo secured card in 2016/17, I was approved for my Discover Secured card  in May of 2018. Almost three years ago exactly. Opened it with $500. A few months in I called and asked if I could deposit an extra $500 just so my credit score wasn't such a roller coaster ride. Graduated after the 7 month mark and it was an awesome feeling getting that email. They sent me my $1,000 back and in turn gave me a $1,750 CL. That card is now a Discover it Cash Back card with a $4,500 CL and while I don't use it a whole lot these days, I am thrilled I was able to start building my credit up with their card. This whole "graduation" process really instilled a sense of accomplishment and that helped me finally build my credit responsibly. 

So, to those who are where I was a few years back, keep it up!!  Also, if you can swing an extra deposit do it. I am assuming this helped with getting my initial $1750 CL.