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.
Mine was after the eigth month. I had started using it as a type of savings account and adding to my deposit at month five so my limit had been upped to $700 and they bumped it to $1700 after graduation.
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.
I received the same message around 1/13. Interestingly enough I noticed a change in the discover app today, at the bottom of the page under "activity" it says: "we're working for you" and then it says "we do automatic account reviews each month to see if we can return your deposit."
my 7th statement cuts in about two weeks or so.
Data Points: account opened early July with a $200 SL, added another $200 a couple months later for a total of 400. I run it up and PIF every month, about 3-4K charged through since opened.
Also have a CITI secured with a $200 SL that has been open for about 13 months, and a Capital One Platinum at $300 SL that has since received an additional $100, and another $100 from credit steps in a couple of months.
I have some COs that are about 1-2 years old, over all credit has improved since first secured opened (lower debt balance, resolving some CO debts) I am hopeful that these cards graduate with perfect payment history and improving profile.
scores are still low, 580s across the board.
do you mind sharing some of your data points and letting us know what happens after your seventh statement!
4 days after my 7th statement is tonight so we will see what happens.... I have 6 baddies....all scores 570's when I was approved and now low 610's from a high of 626 (applied for cap one qs1 approved for $300 cl....a cap one car loan at 11% on $16,000 my scores dropped 15pts)
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!