First post at FICO, and I thought I should provide another DP for this mysterious process.
Great reason for a "first post" there....congrats! Thanks for sharing the dp's too.
Also, 3 stmts. after I graduated I received a cli. Good luck smashing that Luv button!
I haven't had my Discover card long enough for it to possibly become unsecured. I got mine in May. So, be aware I am not speaking with first-hand knowledge of this process.
That said, AZEO stands for "all zero except one." The concept is that if you have, say, three cards, you want two of them to report a $0 balance and the third one to report a small balance. This will provide a temporary bump to your score. This technique is mainly used when preparing to apply for something important, such as a mortgage.
I am skeptical that it would make much difference with a Discover card unsecuring. The boost it gives is fairly modest, and in any case, I think Discover will be as interested in your history with them as they will be in your FICO score.
Is there something else going on? Like recent derogs with other accounts? I ask because I occasionally see people say "my Discover card didn't unsecure after 7 statements" but rarely if ever do I see comprehensive datapoints along with that statement.
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.