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My Discover secured card graduated

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Established Member

My Discover secured card graduated

My Discover IT secured at 1K unsecured itself with no Auto CLI after the 9th statement. It probably would have graduated at the 7th statement, but for the last two statements I had very high util and paying that off to zero balance seems to have triggered it.

My scores when I started were in the 590s across the board, my scores now are:

 

EQ: 653

TU: 658

EX: 676

 

I tried for a CLI and was denied, so I'll probably try again next month. 





Message 1 of 10
9 REPLIES 9
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Senior Contributor

Re: My Discover secured card graduated

Happy Dance!!!!!  


"MY TAKE HOME PAY WON'T TAKE ME HOME"
Current Scores: Exp 736/Eq 744/ Tu 756
Message 2 of 10
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Valued Contributor

Re: My Discover secured card graduated

Congrats!!!

...I’m waiting patiently...




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>


Take the myFICO Fitness Challenge























Message 3 of 10
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Mega Contributor

Re: My Discover secured card graduated

Congrats on the

"graduated" Smiley Happy

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 4 of 10
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Valued Contributor

Re: My Discover secured card graduated

Congrats!
June 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS. $700
.
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 5 of 10
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Frequent Contributor

Re: My Discover secured card graduated

way too go yeah its usually the 7th cut statement unless they see something they dont like 



Message 6 of 10
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Contributor

Re: My Discover secured card graduated

Congrats on the graduation!

I just got an email a couple days ago saying that my $200 deposit would be refunded and a check was in the mail. They also said my CL was now $2K. I was shocked and so happy! Does anyone know if Discover does CLIs often or is it after some type of regular account review?
Message 7 of 10
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Valued Member

Re: My Discover secured card graduated

Congrats

Starting Score: 557
Current Score: 657
Goal Score: 700


Take the myFICO Fitness Challenge

Gardening until 11/2019
Curent Accounts:
2 auto loans $18439, Discover It Secured $200, Cap 1PC partially secured $200, Total Visa $300, MoneyLion CBL Bal $253, & FingerHut FreshStart $72 bal, Cap1 QS1 $300
Message 8 of 10
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Community Leader
Senior Contributor

Re: My Discover secured card graduated

@Brooklyn2018 

How long have you had that Discover? 

Just trying to get a feel for whats going on.

 

-J

 

Message 9 of 10
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Valued Contributor

Re: My Discover secured card graduated

@joltdude

11 months...had an “internal” banking issue when I first received the card. Opened up a Discover Checking and transfered finds that never made it on time. Although, I wasn’t “technically” late by reporting(60days) I was internally late, according to Discover Card CSR.🙄 So, that slowed the process some. I’m not thrilled having to wait but, it’ll happen soon enough. I’m in no hurry for anything anytime soon(well, that’s a good thing I guess) I’m taking it slow and steady to win the race. Just to add: I call them monthly LOL and ask if I’m yet eligible for graduation...same answer every month. 😝




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>


Take the myFICO Fitness Challenge























Message 10 of 10
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