Regarding Discover Secured after Graduation

[GreyvyTrain]

I've had a graduated Discover IT Chrome for awhile now, and was wondering if anyone else had started with a secured Discover card, had it graduate, and had it grow at all? Curious - as mine has been graduated for about 6 months now, and was wondering if it was one that might grow or not.

[naomislivko]

They should review to increase your limit automatically after the 7th month. You can try and call them and ask nicely for a CL upgrade .

[GreyvyTrain]

@naomislivko The 7th month after graduation? I think the 6th month since graduation is in a few days. 

[naomislivko]

No - 7th month from day 1 of the card. There's no guarantee you'll get an upgrade though - since that's based on your entire credit history (has to be completely paid as agreed - both for Discover and not.). Call them and hopefully they can give you a CL upgrade.

[GreyvyTrain]

@naomislivko Thanks, but I understand the rules for graduation from secured to unsecured. My card has already graduated. I was asking if anyone had any experience when it came to CLIs with a graduated Discover card - post graduation.

[Mitch953]

Mine graduated in February 2021 and I haven't been able to get a CLI since then. My scores have improved significantly since it graduated, but I am still working to rebuild after some charge-offs in 2018-2019 (all paid now). I'm hoping that is what is holding me back, and once those start falling off next year they will start showing me love. 

[GreyvyTrain]

@Mitch953 What denial reason do you get? I always get "insufficient experience with current credit limit" regardless of use.