Discover It Chrome Graduated!

[MichWolverines1983]

Woke up this morning and Discover graduated my secured card and increased my credit limit from $300 to $1800!

[tortoise_credit]

Congrats on the graduation. My Disco secured went from $1,000 limit to $1,800 limit when it graduated, so they seem to like that $1,800 number!

[Red1Blue]

Hi @MichWolverines1983 Congrats on your Discover Card Graduation.

[FireMedic1]

Nice!!!!!!!!!!!!! Congrats on the grad!

[Papa_Bear]

Congrats on the graduation!

[MichWolverines1983]

Thanks guys. I've been responsible from the beginning and have nothing but positive things to come with my credit. On to the next step!

[eyam]

Congrats on your graduation! I remember when mine graduated. A great feeling of accomplishment and hard work.

[Zoostation1]

Good to hear!  What sort of usage patterns did you have?  I've also got a secured card from Discover ($400 limit currently) that I opened in early Nov. and hope to graduate in 3 more months.  I've been paying it off in full so no interest, but the reported fairly high utilization that first month (before I understood how that's reported).

[MichWolverines1983]

My original limit was $200 but I added $100 the second month after getting the card. After that, I used the card whenever I wanted but always paid the balance down to 5% utilization before the statement cuts. So Discover reported 5% utilization for 4 months. The last two months I let it report a higher balance but paid the full balance on or before the due dates. I usually paid my statement balance early. Sometimes I would pay the balance (5% was only $10.00) as soon as I got the statement. I never had late fees or missed payments. Again, the last two months I did have to let a higher balance report but it was paid in full early.

[Zoostation1]

Awesome. I'm hoping mine will have a similar graduation.  It's not a daily driver but I make sure it's used at least 3 times a month.  The higher limit on my QS1 makes it my daily driver by default.  Initially I was going to just use CCs for gas only until being further along in my rebuild, but now I'm using  a CC for 75% of my purchases and am learning the game to keep utilization where it needs to be.