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Discover graduation....7th statement

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Discover graduation....7th statement

So my 7th statement cut on the 11th. I have been checking a few times a day since. I woke up today and saw I got an email from DSC last night 1 AM with the subject "Congratulations". I don't think I have ever clicked an email that fast. Unsecured, returned security deposit, no CLI (I expected that part).

 

Background and DP's:

I started with the $300 and increased it to $800 then increased it to $2000, which is the amount it unsecured at. I think this is the max this card will unsecured at (based on what I have seen here) and probably would have unsecured at this level even if I did not add any more money. I have seen many post going from $300 to $2000 without adding to security deposit.

(I added to the deposit because I needed to make a large purchase from a company that did not take debit cards. I was worried that DSC might be spooked by a $1000 purchase but I had no choice).

 

I started with a low 500s score in September and didn't even bother trying the prequal. My DSC scorecard now shows 697 TU. They also soft pulled EX on 4/1/19. (which is who they HP when I applied) I think that SP is the computer determining if to unsecure or not. That's my theory anyway since I don't have any other SP from DSC.

 

I have 2 yo BK and one paid student loan that was in collections. Otherwise clean.

665 EX, 698 EQ, 697 TU. I did not burn DSC.

I use AZEO with DSC as the card reporting

 

.DSC.jpg

 

 

I just returned from financial hell. Don't go, the brochure is a lie.
8 REPLIES 8
Moderator Emeritus

Re: Discover graduation....7th statement

Morpho now that is a good feeling! Grats!!! Smiley Happy

Starting Score: 000 Fico
Current Score: 850 Fico EX08EQ08TU08
Goal Score: 850


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Message 2 of 9
Community Leader
Valued Contributor

Re: Discover graduation....7th statement

Congrats! It’ll just keep on growing! 

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 9
Valued Contributor

Re: Discover graduation....7th statement

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Graduation!!!

AMEX BCE $4K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
TCL - 100K+ | Rebuilding since April 2018
Message 4 of 9
Highlighted
Frequent Contributor

Re: Discover graduation....7th statement

I just product changed to tbe 5% rotating category card. 2 minute phone call. I'm really loving DSC.

I just returned from financial hell. Don't go, the brochure is a lie.
Message 5 of 9
Super Contributor

Re: Discover graduation....7th statement

Congratulations on your unsecure, @Morpho






Message 6 of 9
Established Member

Re: Discover graduation....7th statement

Congrats on the graduation! I just graduated myself, started with a $200 deposit, never increased it and Discover gave me a $2500 limit so it is possible to unsecure past $2000.


Starting Score: 561(EQ) 504(TU) 550(EX) Lender Pull 6/21/12
Current Score: 704(TU) 3/10/2019
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 9
Established Contributor

Re: Discover graduation....7th statement

Yay!!!🥳🥳🥳👍🥳😊🥳👍🥳😊🥳🥳🥳
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


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Message 8 of 9
Frequent Contributor

Re: Discover graduation....7th statement

@enning

 

wow you are a rarely with the unsecured amount of $2500.00 (as far as i've seen anyway) very nice!Smiley Surprised


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 9 of 9