So I just woke up today to a fantastic email from Discover. They're returning my security deposit 5 months EARLY! This must be a new policy from them, because I am fairly certain that both on Discover's website as well as littered across these forums, Discover generally reviewed your account monthly after 12 billing cycles to see if you were eligible to have your security deposit returned. But for me, they are doing so immediately following my 7th statement being cut. Now I have to figure out how NOT to spend that extra $$$ on Christmas presents =)