(Update) Discover Graduated

[Shadowfactor]

The score normally updates 1-2 days before your cycle closes. It’s been like that for me since day 30ish.

Still haven’t graduated or seen any signs of a auto CLI. Giving up hope for this month.

Probably going to only use it for the bonus quarters until it graduates. I don’t have the time to micro manage that $200 limit with working picking up. And I can’t charge hardly anything on it with that limit.

[Adkins]

It's only been two days since your statement cut. I wouldn't write it off until at least a week has passed. 

[Shadowfactor]

Just checked the app tonight.

Had to verify my login with a code when I clicked the CLI button. Verified it and the CLI page appeared for income and stuff.

No auto CLI, still at $200.

I did graduate though.

Tried for a CLI. Was declined. Going to try again tomorrow or maybe next week depending on the feedback I get.

Does Discover need time to process this on their end before the CLI button works.

The $200 limit is a pain in the arse.

[Anonymous]

Congrats on the graduation!

[Shadowfactor]

Called discover to try to recon the CLI increase. Was told that I don’t have enough time managing my current $200 limit. Oh well I guess. 5% only spend here I come since it’s too small of a limit for anything else.

It’s a shame really. I like discover too so I would have happily made this my daily driver for a bit.

[Anonymous]

SP CLIs are free with Discover, so just try every 2-4 weeks.

Honestly, this is a good warning to others who have a secured Discover card.  They let you increase your secured limit up to $2500 by depositing more money, and the graduation at 7 months is pretty consistent.  So starting at $200 and then increasing it $100 a week every week for 6+ months gets you the maximum secured limit and hopes of getting that cash back at graduation.

Too late for you, unfortunately, but something for others to keep in mind.

[Adkins]

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@Shadowfactor wrote:
Just checked the app tonight.

Had to verify my login with a code when I clicked the CLI button. Verified it and the CLI page appeared for income and stuff.

No auto CLI, still at $200.

I did graduate though.

Tried for a CLI. Was declined. Going to try again tomorrow or maybe next week depending on the feedback I get.

Does Discover need time to process this on their end before the CLI button works.

The $200 limit is a pain in the arse.

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Congratulations! 

[Anonymous]

I don't get it.,...I started with a TU score of 525 when I got my car loan it shot up 55 points. But since then it keeps going up and down . Iam trying to reach at least a 650 so I can get a loan for a house. Right now my score is 589 what am I doing wrong ....plz someone help?

[Anonymous]

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@Anonymous wrote:
I don't get it.,...I started with a TU score of 525 when I got my car loan it shot up 55 points. But since then it keeps going up and down . Iam trying to reach at least a 650 so I can get a loan for a house. Right now my score is 589 what am I doing wrong ....plz someone help?

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I'd start a new thread but chances are your reported utilization is too high and you have negative tradelines reporting.

[Anonymous]

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@Shadowfactor wrote:
I’ve been researching on the forums quite a bit but keep finding different answers so I figured i’d Ask.

How long does graduation take once the statement cuts ?
What signs are there that my account graduated ?

The 2nd was my 7th statement cut date. My card converted to the regular IT card as I requested but I haven’t seen a credit line increase as some members posted. The credit line increase button still takes me to that secured page.

Stats:
649 FICO 8 from 12/27 TU.
Limit : $200
Never carried a balance on the account, and always PIF. Mainly I would pay as soon as charges posted since the credit line was so low.
Charged anywhere between 900 on the card to 25 bucks each month. Averaged around $350-400 a month in charges.

No late/returned payments what so ever.

Update!
statement cut 1/2
graduated 1/5 at 1:22 am.
Confirmed via chat.
CLI page appeared, still no email or auto CLI as of yet.
Still at $200 CLI
Tried the CLI button. Denied for a CLI. Going to try again tomorrow or maybe next week after things process on their end

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When/if a card graduates is so profile specific. It can happen in six months, take a year, two years, or sometimes never. But the average seems to be a year. They usually send an email or a letter when it graduates. Be patient and you can always call and see what they say. My advise is patience. It will happen. Good luck :-)