Never had a returned payment and I did try to prequal for an unsecured and was turned down. My TU score according to both Discover and NFCU is 655 so I'm not really sure what the deal is.
@TexasFamMan 640-650 is just when Discos usually unsecure... Do you have any baddies or new cards recently? Somethings not quite adding up... Need a little more information about your profile....
Yes your going on a year or close to it..... there is something Miss Disco doesn't like.... and a 5K approval on NFCU is not a great comparison... NFCU tends to be on the more generous and forgiving side as long as you dont burn them...
The only baddies were from before the BK. We have established our credit quite nicely since the discharge and now that I have the NFCU card with a pretty generous SL, I will be able to close my Merrick Bank card and thus I will have no more subprime cards; just the Discover, my wife's NFCU that I am an AU on, and my new NFCU. My wife doesn't have any subprime cards either; just her Discover (nonsecured), and two NFCU cards.
Unfortunately, the one thing our collective Discover secured card experiences seem to confirm is that the unsecuring process is highly automated, if not completely automated. You may just be up against some computer algorithm, which is holding your BK date or the baddies before the BK against you based on timing or other factors. My baddies were about 2 years old when I got the Discover secured card. I still didn't graduate until my 11th sattement. It coincided with one of the baddies getting deleted with TU as well as my score going up. Not sure what caused it, but the experiences with this card vary widely in terms of how long it takes to get unsecured.
From my conversations with Discover it's totally automated as they tell me they have no way to graduate me manually. Oh well, I'll let it get to another year and if I'm still graduated by then I may just close the card. Heck, if I don't use it maybe they will close it for me....
I've had My secured discover since july 2017. it still has NOT unecured.
My bank of america cards unsecured after 3 years (fully secured) for 1 and 4 years (99 for 500 partially secured) for the other.
I guess discover is following in bank of americas foot steps
wellsfargo refuses to unsecure. i'm at 5-7 years secured.
My fico8 are 703 EQ, 702 TU, 688 EX
I have a Navcheck 4500, NFCU nrewards @ 4k unsecured, NFCU go rewards @ 5300, paypal smart connect @ 3500, amazon store card @ 3000, target at 1200. Bank of america cash rewards @ 1500, Boa Platinum @ 1000, and bunch of toy cards.
guess they don't like me.
Mine just graduated last night. I was at a $400 SL and now I have $2500. I'm curious to know what is the highest limit anyone has received after graduation.
My Discover it secured was just unsecured yesterday. My CLI to $2,500. I have always been curious to know if anyone has received a higher limit after there card unsecured.