Discover card unsecured after my 7th statement!!!

[Anonymous]

Okay I have posted a couple things here asking advise for my discover graduation.Well I have to say that I was waiting for it after reading on this forum that some people get their account unsecured 2 days after 7th statement cut (around 1am). Today at 1:30 am 2 days after statement I logged in my account to find the surprise that Discover has graduated my account and also gave me a CLI to 1500 from 500!!!

Thanks to all of you for all the advises and good vibes I am more than happy now lol

[Brooklyn2018]

Congrats!!👍👍👍

Do you mind sharing your DP’s at the time of graduating?

I’m at my 7mo but, my scores are pretty low so I don’t see it happening anytime soon. Most of what I’ve read were scores up in the 600’s so, I’m going off that as a goal. I’m sure my as always YMMV but, in this case, MyMMV 😆

Congrats again!!👏👏👏

😊

[Anonymous]

I started like you my scores were around 478 this past April they were bad that I couldn’t even open a checking account with sucoast credit union then I had a Wells Fargo secured credit card 2 years old and a car loan that was 30 days late after that I got my discover secured and cap1 secured then Amex cash magnet all of them 500 dollars except by cap1 was 200 then after I applied for the Barclays arrival plus and got denied so I called and recon and they overturned the decision giving me a el of 750 then I called for a cli they approved to 1500 then I have been building my scores I got two more credit cards later (5/3 with 4000 and sams club MasterCard version 4800 ) last week Wells Fargo told me that after 2 years and a half they will be graduating my card on next February so yeahhhh and today discover
Here are some data points I hope you get graduated soooooon and with a nice cli
Fico score 08 ( the one that discover provides) : 733
Experian fico score 08: 749
Equifax fico score 08: 725
Experian fico score 9: 760
1 late payment
Utilization :7%
Average of credit : 11 months

[Brooklyn2018]

Wow! That’s awesome! You did pretty darn good! That just encourages me even more. Thank you for sharing!👍

I appreciate the wishes. I really enjoy reading comebacks like yours. It just amazes me. Great job, really!!👏

Congrats to you and Best of Luck on your continued journey and thank you for the inspiration and the encouragement!!👍👍

😊

[Anonymous]

@brooklyn I don’t know your financial situation, but if you can afford it I would add $2-300 to your Discover cArd. I did that and I graduated my very next statement (6th). May not be correlated, be curious of @OP added after opening.

Do you use your discover much? I used it fairly heavy. Graduated from $400 to $2000

[EW800]

Outstanding!  Congratulations!   

[Brooklyn2018]

I COULD but, I’ve researched that adding to it possibly might help? But, I’m not entirely certain about that...it really all boils down to what they are looking for when it comes to my credit worthiness. I’m more inclined to believe that than adding more $. But, stranger things have been known to happen! 😂
I use it quite a bit for the cashback. I’m going to love the free $ match at the end of the year! 😉
I’m ok with not graduating right away as I still have 3 collections to take care of and a few other things stuck on my CR’s. I look at it like this: “I’m in with DISCO and eventually I’ll earn their trust.

Time. Responsible use. I’ll get there soon enough.

[19eighty5]

Congratulations on your graduation!

[RonM21]

Congrats Op!! Keep it rolling now into bigger and better things with your credit!

[Anonymous]

Congrats!  My 7th statement cut on Dec 5th and mine has yet to graduate so I'm assuming I didn't make the cut this time.  Discover has my TU at 644 which is great considering it started at 564 back in May.  I started with a $200 deposit in May and upped it another $1000 in July so the credit line is at $1200.  We use this card heavily for our monthly autopayments and we either pay it in full or pay at least the statement balance and most months we make 2 payments to coincide with our pay days.  All of my other credit since our BK discharge in April has been perfect and the other credit card in my name and the one I'm an AU on we treat the same was as Discover.  I was hoping mine would graduate this month but I guess their system thought otherwise.  I really wish I knew what their criteria was.