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Discover It Secured Card Graduated

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Regular Contributor

Re: Discover It Secured Card Graduated

I think you are in the right direction and I would just throw this at a system glitch. Our main difference is that I had several revolvers but other than that we have similar situations. 

 

I'm curious what other Discover cards do you qualify for now?

 

Once you have closed on your house (CONGRATS! BTW) get one of the Discover cards you pre-qualify for and then combine the two cards together. You can have two Discover cards at once and when you combine the two cards that will make you elgible for another.

 

Congrats on the Amex cards and the amazing SL. What were your scores like when you got those?

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 6/29/2019
EX 653
TU 652
EQ 611

Goal Score 675
Message 11 of 16
Regular Contributor

Re: Discover It Secured Card Graduated

When I got the Amex I was right at 642. I was surprised (and still am) at the starting limit.

 

Currently Discover shows me pre-approved for:

 

Discover IT Cash Back

Discover IT Chrome (which is what I have)

Discover IT Miles

 

All show 0% for 14 months with 23.24% APR

Message 12 of 16
Regular Contributor

Re: Discover It Secured Card Graduated

Oh, wow! Well, I should be around the same score for Experian in June so maybe I'll finally get a pre-qualify.

 

Not taking the Discover pre-qualify bait may work out in yourfavor. After you close on your home, and it starts to report I wonder will you get a lower APR from Discover. I would think with a mortage that would be a huge score booster but I'm not 100% for sure.

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 6/29/2019
EX 653
TU 652
EQ 611

Goal Score 675
Message 13 of 16
Regular Contributor

Re: Discover It Secured Card Graduated

I think you're right, after a bit it will help my score. I expect the first while it may hurt me a bit, just due to the new account hit your score takes.

 

I am more tempted to go with a new Amex after my mortgage closes. This is only because they only do a soft pull for new cards once your a member. I have checked with them too and I am pre-approved for pretty much all of their cards. I am thinking I may use the Amex 0% for 15 months offers to get some things for the new house.

Message 14 of 16
Regular Contributor

Re: Discover It Secured Card Graduated

 

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 6/29/2019
EX 653
TU 652
EQ 611

Goal Score 675
Message 15 of 16
Regular Contributor

Re: Discover It Secured Card Graduated

 

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 6/29/2019
EX 653
TU 652
EQ 611

Goal Score 675
Message 16 of 16
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