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My discover has graduated I think?

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Anonymous
Not applicable

Re: My discover has graduated I think?

I opened my secured card 6.5 months ago and I have no AF. I think the older ones do before they improved their secured program but OP had his/hers one month longer than me-so they shouldn't have one. I was late on the bandwagon-took me a bit to decide if I wanted a secured card at the time just to get in with Discover.

Needless to say-Congrats OP
Message 11 of 18
Anonymous
Not applicable

Re: My discover has graduated I think?

Maybe someone somewhere had an annual fee somewhere but as I said, mine's 2 years old (and secured) and doesn't have one and never did.  I suppose that's neither here nor there and isn't really on topic to OP's post though.  

 

It's awesome that people are getting unsecured very, very regularly now and hopefully mine will follow suit at some point. Smiley Happy

Message 12 of 18
joltdude
Senior Contributor

Re: My discover has graduated I think?


@Anonymous wrote:

Maybe someone somewhere had an annual fee somewhere but as I said, mine's 2 years old (and secured) and doesn't have one and never did.  I suppose that's neither here nor there and isn't really on topic to OP's post though.  

 

It's awesome that people are getting unsecured very, very regularly now and hopefully mine will follow suit at some point. Smiley Happy


 

Actually its very much on-topic and relevant because if they have an AF, they want to know if its waived or no longer on the converted card where I said... very likely since regular discover cards do not have an AF... 

 

Thank you for clarifying that Discover has done away with the AF on newer issued secure cards.. which is a good thing IMHO but we are talking about an older/legacy Discover Secured card which the OP had to pay an AF on... (I did not know they changed this.. my bad)

 

So the best thing to do is talk to their customer service and ask....  we can only speculate....

-J

 

Message 13 of 18
Anonymous
Not applicable

Re: My discover has graduated I think?


@joltdude wrote:

@Anonymous wrote:

Maybe someone somewhere had an annual fee somewhere but as I said, mine's 2 years old (and secured) and doesn't have one and never did.  I suppose that's neither here nor there and isn't really on topic to OP's post though.  

 

It's awesome that people are getting unsecured very, very regularly now and hopefully mine will follow suit at some point. Smiley Happy


 

Actually its very much on-topic and relevant because if they have an AF, they want to know if its waived or no longer on the converted card where I said... very likely since regular discover cards do not have an AF... 

 

Thank you for clarifying that Discover has done away with the AF on newer issued secure cards.. which is a good thing IMHO but we are talking about an older/legacy Discover Secured card which the OP had to pay an AF on... (I did not know they changed this.. my bad)

 

So the best thing to do is talk to their customer service and ask....  we can only speculate....

-J

 


When was this annual fee, is my question?

 

OP's card is 7 months old.  My card is 24 months old.  Mine is more than 3 times older and I don't have an annual fee and their website states that there is no annual fee.  So was there some weird period of time when annual fees were charged sometime between when I got mine and when OP got theirs that I don't know about?

Message 14 of 18
Anonymous
Not applicable

Re: My discover has graduated I think?

Your card definitely graduated. Mines graduated a week ago and I found out by noticing a CLI also. I still havent recieved the email. However I did confirm it by chat.

 

My card finally graduated after 26 months! So hopefully yours will graduate soon Michikade.

 

As far as the annual fee, I've never had one. Neither has anyone else. That was the main reason people were going bananas over getting the secured Discover card besides a few of the other perks. The secured Discover card does not have a annual fee. Not even the Legacy/Older one.

Message 15 of 18
joltdude
Senior Contributor

Re: My discover has graduated I think?

Im out of this thread... Tired of being called a liar..

Op had an AF on the DIscover... and folks in the past have... 

It may have been similar to the offers on Cap One or even subprime cards being different/targeted with fees...

 

Thanks for being less than FSR

 

Good luck all of you

 

-J

 

Message 16 of 18
joltdude
Senior Contributor

Re: My discover has graduated I think?

Im out of this thread... Tired of being called a liar..

Op had an AF on the DIscover... and folks in the past have... 

It may have been similar to the offers on Cap One or even subprime cards being different/targeted with fees...

 

Thanks for being less than FSR

 

Good luck all of you

 

-J

 

Message 17 of 18
Anonymous
Not applicable

Re: My discover has graduated I think?


@joltdude wrote:

Im out of this thread... Tired of being called a liar..

Op had an AF on the DIscover... and folks in the past have... 

It may have been similar to the offers on Cap One or even subprime cards being different/targeted with fees...

 

Thanks for being less than FSR

 

Good luck all of you

 

-J

 


No one is calling you a liar or even attempting to personally attack you. MyFico is a forum where people come and spread their knowledge,experience and opinions. Noone should be taking anything personal... Geesh! lol

Message 18 of 18
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