The majority of people who graduate and post with a $500 credit line usually end up at $1500-$2000. Its not written in stone. Each person is different in Disco's world. There's no absolute spot on data point to predict what will be the final outcome. Growth on a Disco card secured or unsecured is a guessing game. No one person matches. Some get major luv some get $500 at a time. Cough cough.
Hey mrfufoppss .. so i started with i think 300 or 500 and after graduating and 3 years later the highest i have gotten is 2100. I use the card everyday as my daily driver and run all bills etc through it . I always pif every month and have not paid not one dime of intrest to them . I tried Monthly hitting that luv button with no luck to trying every 3 months etc and 2100 is the highest ive gotten. My wife in same time frame has gone from about 3k to 20k . I believe my card is bucketted due to it was a secured card that graduated being that my file was a little rough at the time of applying for it. End of day im happy that discover gave me the chance but recently i have moved on to AMex BCE with a starting limit of 8k. hope this helps and have a good day. best of luck.
I think the OP was asking the highest CL ever achieved by cards that were once secured - not the CL that they directly unsecure to.
In other words, if you had a Discover that unsecured (for example) four years ago and since then, you sought CLIs, what have you gotten it up to. I think the purpose of the question is to determine if formerly secured Discover cards are bucketed or something similar.
I am interested as well, but have no data to contribute. My card unsecured on around Dec. 17 to $1,500 and I haven't gotten a CL since then.
My 7th statement for my Discover secured card cut on the 16th. Didn't get an email or letter yet but noticed my CL went from $1200 to $2000 overnight and also my CLI button works!
Here's some details for anyone interested:
TU Fico 643
EXP Fico 619 (lots of new accounts holding it down, and my Experian Boost got cancelled due to unsupported bank issues. It was 624 a couple days ago)
Overall utilization across all credit about 10% on EXP, 32% on TU
Always charged up to around $800-$900 and PIF before statement close. Past 2 months I don't use it much.
Went from a $200 deposit to $1200.
Have 1 unpaid charge off from Wells Fargo from about 6 years ago
Also I moved my statement date twice so my statement was due to close in December but was extended a full month! Didn't affect it at all.
Good to see Disco out here unsecuring cards!!
Congrats on graduating!
So heres a frame of reference since I haven't posted again about it.
Secured Discover $300 was activated in June of 2018. It has yet to unsecure
BUT in September of 2019 after my statement cut and still didn't unsecure I decided to run prequalification on their site...
boom, approved for a different card with $5,000 SL.
As of February of 2019 I had completely resolved any debts and everything was paid for as agreed.
I still don't have that card unsecured, but again...given I've acquired either better cards or increases it's becoming less an issue.
Perhaps I'll ask for my $300 back at the two year mark.
Graduated today after the 14th statement. No CLI, tried to request one and was denied (slightly odd given the spend I put through it, but does not really matter since I have the 14.5k card from them).
You nailed it @joltdude - waiting until either account has a CLI so I can merge them. Thanks again for your advice!
Congratulations!!!! That's very promising for the rest of us!
my statement cut the 2/5 and still no graduation. On to month 11!