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Secured Discover Card and Overlimits


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So I have a secured DC that is 2 months old. I have a very low CL on it. $200. Since I cannot use my other cards, I decided to use this card for a couple of purchases. In my miscalculation, the card got denied this morning for going $1 over the purchase price. (The great benefit of low CL)


So my worry now is: would this be considered a negative when they revalue my account later for a potential upgrade to an unsecured line and hence come back to bite me with delayed graduation and/or low limits down the road?

Edited by Knight
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  • Knight changed the title to Secured Discover Card and Overlimits

I don't know that their system is geared towards monitoring WHY a transaction was declined.  The reality is you didn't go over your limit.  Period.  Full stop. 


Can you add funds to the security so that you don't find yourself hamstrung by a useless limit?

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