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Discover Secured Graduation?

New Contributor

Re: Discover Secured Graduation?

OMG. I think i would just throw in the towel. I dont know how you didn't wow. My 7th statement cuts tomorrow and ill probably have a stroke if i dont get the congrats email by Friday LOL
Message 11 of 31
Regular Contributor

Re: Discover Secured Graduation?

Lmfao same 

Sept 18: EQ: 578 TU: 583 EX: 576
Nov 18: EQ: 614 TU: 630 EX: 621
Dec 18: EQ: 605 TU:634 EX: 619

Goal by Sept 20’ EQ: 750 TU: 770 EX:730

Cap One QuickSilverOne: $2750
Cap One QuickSilver: $500
Discover It Secured: $300
Kohl’s Charge: $300
HSN Credit Card: $750
Fingerhut: $230
Victoria Secret: $150
First Premier: $700
First Premier: $700
Self Lender Credit Builder Loan Starting: $1700
Current: $1,000
ED Matures: June 19’
Message 12 of 31
Senior Contributor

Re: Discover Secured Graduation?

I got mine March 17 at the scores listed below in my started column.  Around the 7-8 month mark, i was calling in about something completely different and i was told i had to be xfer-ed as my card was no longer secured.  I beleive at the time my score was around 630-ish and i still had several baddies (paid) including a CO that was only a few months of being paid off.   I never got an email about it and my congrats letter and refund came the same day.  SL was 200, no CLI at graduation.  4 months later i got 200 more, and then a year after that i got 200 more.  I honestly didnt use the card that much, so they had no reason to increase it alot.  My second card however is awesome. Smiley Happy





Message 13 of 31
Contributor

Re: Discover Secured Graduation?

What’s your TU score like...everyone is killing me 😂😂😂😂



WISH LIST
Message 14 of 31

Re: Discover Secured Graduation?

LOL My TU score is 624 according to TU. I think it may be high 500s on EQ and EX. I've got several good trade lines reporting and I have had a Discover with a $6,200 several years ago that was always paid on time and eventually paid off. My main worries is my semi-recent baddies (was over $200k in debt with no way out).

Discover Secured 03/2018 - $300 // Target Red Card 04/2016 - $700 // Mattress Firm 01/2017 - $1,500 // Avant MC 07/2018 - $300
TU FICO: 624 EX FICO: 598 EQ FICO: 554
You can't run up $200k in credit card debt (like I did) if you never apply for cards with limits that high.
Message 15 of 31
Senior Contributor

Re: Discover Secured Graduation?


@CreditRebuilder2020 wrote:

@Brian_Earl_Spilner wrote:

Just wrapped up month 14 and no graduation.


Yeah I don't get what the heck their formula is....it makes no sense. I have a friend of mine who had a 575 TU FICO, only had the card for 8 months and then it graduated. Doesn't seem very scientific whatever they're doing. Cap One has some very nice steps, very plainly spelled out and explained to you. I'm waiting on my 1st CLI on my QS1 after my next statement from $300 initial CL to $500 with my first CLI. 

 

Discover IT seems like they're picking cards at random to graduate. 


Yeah, not sure. Apparently, raising my score about 120 points and removing half my derogatories isn't a sign of responsible credit behavior. They did tell me I went over my limit for 1 day by $4 and change when the interest hit. Guy made it sound like I shouldn't be surprised I haven't graduated.






***AD SPACE AVAILABLE***
Message 16 of 31
Senior Contributor

Re: Discover Secured Graduation?


@Civil wrote:
14 months? Did you call them...I opened my secure card in February with all scores mid 500s and they graduated mine last month 3 day after my 7th statement $1500 line and sent me my $400 deposit back and TU was at 638

I really don't care anymore. I've just used it less and less. It barely sees swipes anymore and I've stopped cycling the limit. I've given that spend to my PayPal and Cash Rewards.






***AD SPACE AVAILABLE***
Message 17 of 31
Regular Contributor

Re: Discover Secured Graduation?

I didn't get a CLI at graduation so I am stuck at $200. I can't imagine it's going to increase much, but I'll probably rarely use the card. What other options do I have in terms of cards with Discover? Is it worth it to app for Discover IT or should I just forget about Discover?

Rebuilding -->
Starting Scores -- TU:577, EQ:525, EX:572
Current Scores -- TU:676, EQ:627, EX:622
GOAL -- 700+
Message 18 of 31
Senior Contributor

Re: Discover Secured Graduation?


@jlh1580 wrote:

I didn't get a CLI at graduation so I am stuck at $200. I can't imagine it's going to increase much, but I'll probably rarely use the card. What other options do I have in terms of cards with Discover? Is it worth it to app for Discover IT or should I just forget about Discover?


You can PC your card to an IT at anytime.   If you use it and pay it off A LOT, they will eventually raise the limit.  after 1 year a second card could become an option.  A card that doesnt start as secured does seem to do alot better. 





Message 19 of 31
New Contributor

Re: Discover Secured Graduation?

Yayyyyy!!!! Card unsecured thursday night. Woke up at 2 am and checked the cli link. Yes, obsessed i know. Instead of getting the "we're sorry this isn't available for you" message I actually went to the reqest form. I put in for cLi but was denied. I also noticed the section of "how to transition to an unsecured card" was no longer there. This morning I got the official congrats email. My 7th statement cut Tuesday. Im ecstatic
Message 20 of 31