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Valued Member


Hi everyone.

Discover is allowing you to change cards without an HP. I messed around and took my secured IT Chrome and changed to just Discover IT.
My questions are these:
Will my Disco Chrome stay secured since I changed the type?
If you have a Disco secured and Disco unsecured, do you wait for the secured to graduate or close it once you have the unsecured?

I have no plans to close my Discover secured. I am just curious since the idea crossed my mind.

Discover It (blue): $2000
Discover It (red): $1200
Shell Mastercard: $750
Message 1 of 4
Valued Contributor

Re: Discovering

Changing from IT/Chrome/Miles won't affect your graduation date.


Cards that graduate tend to grow just as well as the ones that start out unsecured.

500K+ TCL / 800+ FCOs
Message 2 of 4
New Contributor

Re: Discovering

not sure what you're asking here. 


If discover allowed you to convert your Discover It Chrome secured to a Discover It secured, then yes it's still a secured card that just falls under a different rewards structure. Now if they allowed you to convert your discover it chrome secured to a Discover it unsecured, then they should refund your deposit. 


As for whether you wait to close a secured card until it becomes unsecured, I'd have to state that it doesn't really matter. Closing accounts have little affect on your credit unless you have high utilization. So whne you close it doewsn't really matter because regardless if you wait or not you'll get back your deposit 


Hope this helps!

Message 3 of 4
Community Leader
Super Contributor

Re: Discovering

You can close a secured card at any time. Not sure if discover takes any balances out of your security deposit or allows you to pif and just send you the whole thing.

Message 4 of 4
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