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Discover graduation....7th statement

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Anonymous
Not applicable

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

 

 

8 REPLIES 8
Anonymous
Not applicable

Re: Discover graduation....7th statement

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

Message 2 of 9
pinkandgrey
Senior Contributor

Re: Discover graduation....7th statement

Congrats! It’ll just keep on growing! 

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 13k
Apple Card: 4.25k
Message 3 of 9
Marz2002
Senior Contributor

Re: Discover graduation....7th statement

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Graduation!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 4 of 9
Anonymous
Not applicable

Re: Discover graduation....7th statement

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

Message 5 of 9
Adkins
Legendary Contributor

Re: Discover graduation....7th statement

Congratulations on your unsecure, @Anonymous! 


Last HP 08-07-2023



Message 6 of 9
enning
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
Anonymous
Not applicable

Re: Discover graduation....7th statement

Yay!!!🥳🥳🥳👍🥳😊🥳👍🥳😊🥳🥳🥳
Message 8 of 9
HindSight_20_20
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


Goal Score: EX 700|TU 700|EQ700

Take the myFICO Fitness Challenge



HiltonHonors AMEX 2K | Amazon Store CC $800 | Bed Bath & Beyond 2K | Lowes CC 11K | Cap 1 Secured $500 | Cap 1 Plat $300 | Cap 1 Savor 1K |Citi Secured $200 | Target $500 | Kohl's $1K | Truist Cashback 4.5K | Penfed Power Cash Back 3.5K |Apple Pay CC 3K | Venmo Sig Visa 7.5K | SECU 13.5K | Bragg Mutual FCU 10K | Best Buy Citi Visa $2.5K | DiscoverIT CB 11.5K
Message 9 of 9
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