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Discover IT secured - Graduation day!

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New Member

Discover IT secured - Graduation day!

Applied for a Discovered Secured Card with $500 deposit on Jan 25, 2018 with a Fico TU at 546.

Age: 32

Income: 95K

Collections: 2 (both paid off as of Jan 2018)

I received my 7th credit statement few days ago.. and a few hours ago I got my graduation.. No email/message though.. I just randomly logged into my account and BAM I see $1800 as my total credit line. But I wonder how long it takes for them to send me my $500 back?

 

Tips- I double dipped alot since this was my only card.. I probably put around ~$700/month on it.. I am also using a self-lender loan thats been on auto pay since Jan 2018... its an $1100 loan and I have about $400 left Smiley Happy

 

I also applied for a USAA 1.5% cash back card few days ago and was approved for $3K Limit.

As of this moment, my fico scores are around 666-674 across the board. Only 2 credit cards and self-lender for me at the moment. Going to be patient and apply for the Chase Freedom in January so that I'll have a year of credit history under my belt... since I know Chase is a stickler for that!

 

Life is looking a whole lot better than the beginning of the year thats for sure.. going to go congratulate myself with a tasty beer to end the night. Cheers everyone Smiley Happy

 

Message 1 of 8
7 REPLIES
Frequent Contributor

Re: Discover IT secured - Graduation day!

CONGRATS! Sounds like you are on the right track.

 

I don't know about the deposit return. But, I do like Chase.



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Starting Scores

Current Scores

Goal Scores
Message 2 of 8
Regular Contributor

Re: Discover IT secured - Graduation day!


@StackDev wrote:

tasty beer


I forgot everything else you said.

 

Congratulations, whatever it is for!


Starting Score: None
Current Score: Dunno FICO / FAKO: 670-674
Goal Score: 780

Take the myFICO Fitness Challenge
Message 3 of 8
Established Contributor

Re: Discover IT secured - Graduation day!

Congratulations! Looks like you're going about this the right way

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545
Goal Score: 700 across the board



Message 4 of 8
Valued Member

Re: Discover IT secured - Graduation day!


@StackDev wrote:

 

I received my 7th credit statement few days ago.. and a few hours ago I got my graduation.. No email/message though.. I just randomly logged into my account and BAM I see $1800 as my total credit line. But I wonder how long it takes for them to send me my $500 back?

 

Congrats.....I got my deposit refund about a week after the email came (which was a day after I noticed the CLI on my phone app). 2 beers tonight since it's Friday......

 

FICO 8

Message 5 of 8
Valued Contributor

Re: Discover IT secured - Graduation day!

I am still waiting on mine........ come on Discover!

Message 6 of 8
Frequent Contributor

Re: Discover IT secured - Graduation day!

Congrats on the graduation. Enjoy the beer.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 8/18/18:


Goal Score: 750+
Message 7 of 8
Regular Contributor

Re: Discover IT secured - Graduation day!

Congrats!!

hopefully I to will be posting about the same thing come my 7th statement.
Start(6/29/18):
EX 610, TU 595, EQ 603
(8/1/18):
EX 618, TU 582, EQ 611
Goal: 670(Jan'19) Future: 850+ across the board


Message 8 of 8