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btfo

Discover Secured Graduated

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Today, I logged on to my Discover account and my credit limit has jumped from $300 to $2,000.  I'm super-psyched and so thankful for the advice and guidance I've found in the newbies section of creditboards, as well as all of the contributors on the forums.
In March 2018, I put $300 toward a secured Discover card.  I've used it a lot but always PIF before it reports.  Earlier this month, I called to request graduation.  The phone rep told me that beginning in the 7th month, all secured accounts are reviewed by their computer system for graduation.  Then they are reevaluated each month and I would just have to wait.  I was bummed out, to be honest.  Felt like I was spinning my tires.  So imagine my surprise to see such a bump in the credit limit today.  And I haven't yet received any communications from them in the mail or email. 

Thanks again to all of the contributors here.

 

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Edited by btfo

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Mine also graduated this month! I too opened it in March of 2018. I got a CLI from $700 to $2,000. My TU score at the time was 652, with two charge-offs and a collection reporting. I'm ready to get my cash back match in March though, because I have been using this card really heavily.

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18 minutes ago, RehabbingANDBlabbing said:

Mine also graduated this month! I too opened it in March of 2018. I got a CLI from $700 to $2,000. My TU score at the time was 652, with two charge-offs and a collection reporting. I'm ready to get my cash back match in March though, because I have been using this card really heavily.

Congrats!!! :wave:

 

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On 1/31/2019 at 3:15 PM, watts2988 said:

Very nice. What did you do between now and Dec to get that huge bump in score - removal of a CO or collection?

I paid down 2 student loans to almost nothing and left just a small balance on each.
Lowered credit card utilization from high to nothing. 

 

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Mine graduated to unsecured last week as well. I have not received an increase in the CLI yet but I do owe them about 3K on a card that I am paying monthly on. 

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