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Discover graduation?

Iancoll1993
New Member

Discover graduation?

I went over my limit by 3$ by mistake. So assuming discovers process is automated im screwed huh? Any advice

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3 REPLIES 3
AndySoCal
Valued Contributor

Re: Discover graduation?

Make a payment that will bring you under your credit limit the further the better. How long have had the account with Discover?

FICO 8 EX 812 TU 803 EF 821
Discover IT Opened 9/1990 CL 19,000, JC Penney Opened 10/2008 CL 4700, US Bank Cash Plus Opened 8/2010 CL 12000, Citibank Double Cash Opened 5/2015 CL 11,100, Chase Freedom Flex Opened 09/2020 CL 10,500
Message 2 of 4
Iancoll1993
New Member

Re: Discover graduation?

5 months now

Message 3 of 4
lyTENciL
Regular Contributor

Re: Discover graduation?

I might be misunderstanding the title and your question. Are you asking about the consequences of going over limit, impacting graduation from secured to unsecured?

 

I can't speak to the graduation part, but with my unsecured disco I accidentally went over limit by around $30 or so. I thought my payment posted before it actually had. I called the CSR in a mild panic, and was assured that nothing bad would happen, I just wouldn't be able to use the card further until payment posted. It was never reported to bureaus, never incurred any fee or any consequence I'm aware of.



FICO (5/21): EX8 803. TU8 821. EQ9 830.
Mortgage (5/21): EX2 779. EQ5 778. TU4 unk.
Profile: Clean/thick?/aged/new. Revolvers: 5 open, 1 closed. 1 Install (7%).
AoOA/RA 17y. AAoA 3.5y. AoYA/RA 0m. TCL $53.8K.
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