Credit Score: 634 Credit Limit: 500 Age: 35-44

Approved 10/19/2002 discharge after Bankruptcy

Income On Application: $80000

Posted 10/29 2020

Easy process. preapproved then applied was approved. blessing it is. approved one week after bankruptcy discharge. Last post needed to be updated. I did not update scores. No annual fee plus review after eight months for unsecured possibly.

 

Credit Score: 620 Credit Limit: 1000 Age: 25-34

Posted 02/02 2018

I thought that my scores were good enough for an unsecured credit card but I kept getting denied. So I decided to start off with a secured credit card and finally decided on this one. What attracted me was that it was Discover, had no annual fee and even a cash back program. I applied and gave my bank login credentials but somehow it failed! So I was asked to give my a/c and routing number. They also did the "bank verification test" whereby they sent an amount less than $1 and I had to tell them the correct amount. I was also taken to a page where I had to upload my w2, DL, and SSN. Once that was all done, my money was taken out of my checking account in 2 days. I then called them and was told that the card will come 2 weeks later.

The card itself is great. The website and app are easy to use. You can set up autopay or pay through the website or app. The rewards can be used as credit for your statements. Discover reports as secured and I think they reported even before I got my first statement. After 10 months of using the card, I got an email saying I will get my deposit back within 7 days and that my new credit limit was $3000. That was when it hit me that I had graduated.

Two weeks later, I checked my credit report and they changed from reporting as secured to unsecured. My score was 690 when this all happened.

 

Credit Score: 480 Credit Limit: 600 Age: 35-44

Income On Application: $65000

Posted 01/15 2018

My credit was so poor when I applied (below 500). I had also went into and emerged from a bankruptcy chapter 7 in 2013. I was glad that I was approved. They sent 2 test deposit into my checking account and once I verified the amount, the withdrew the deposit 2 days later and sent me the card about 2 weeks later. I love the card because I can check my fico score and the website and app are easy to use. You can track everything including rewards and your payments and charges. I hope to graduate within a year.

 

Credit Score: 537 Credit Limit: 500 Age: 35-44

Posted 11/23 2017

My experience with the Discover secured card has been great. When I applied, I decided to put a deposit of $500. They deposited less than $1 two times into my checking account and I had to verify them. Two days later, they took the money out of my checking account and a couple of days later, I got an email telling me my card would arrive about 2 weeks later.

The more I use the card, the more I love Discover. Customer service is great (americans answer you calls and very quickly too). The website and app are great. 5 months later, I decided to deposit another $500. I had to call them and after a couple of questions on my income and mortgage payment, I was approved. Another 5 months later, I got an email saying that my deposits will be returned to me in the form of a check in 7 days and that I had graduated to an unsecured card.

I would highly recommend this card.

 

Credit Score: 534 Credit Limit: 300 Age: 25-34

Posted 10/18 2017

I recently applied for the Discover it secured card with a credit score of 534 (TU). I put down $300 as a security deposit. I got my card 2 weeks later and have just started using it. After my first statement arrived (just 2 days ago), I checked my credit reports and found out that Discover has reported already as secured. And my scores are already up about 70 points on both TU and EQ. Would definitely recommend this card if you are rebuilding.

 

Credit Score: 478 Credit Limit: 200 Age: 35-44

Income On Application: $50000

Posted 09/28 2017

Let me start by revealing my score when I applied for this card - it was 478. Yes - below 500. Aside from the score, I had a repo from 6 years ago and have a few late payments in my report (though I am current on my payment now). I was really surprised that Discover approved me. I put in the bare minimum deposit of $200 and figured that the lower the deposit, the less I would spend on the card.

I honestly never thought I would get approved. Now there seems to be light at the end of the tunnel for me.

 

Credit Score: 580 Credit Limit: 1000 Age: 25-34

Posted 08/12 2017

I finally graduating after 1 year (or rather after my 12th billing statement to be more precise). Was told they were sending back my deposit within 5-7 business days. I love this card, the rewards and customer service.

When I first applied, my score was about 580 with TU. I deposited $1000 and after 4 months, deposited another $1000. I always paid in full. However, there were 2 months when I used close to 80% of my limits on a computer and a couple of other gadgets. But I still paid in full. For the most part, I spent about $400 a month on the card.

I guess I showed Discover that I was a responsible user of their card and they decided to graduate me!

 

Credit Score: 547 Credit Limit: 1000 Age: 25-34

Posted 05/13 2017

I initially deposited $1000 when I applied. 5 months later, I wanted to increase my credit limit. I called customer rep and was asked to verify my income and mortgage expense. I was told that the max I could increase my limit was up to $2500. I added another $1000, taking the total to $2000. Rep said that it would take 8 days for the limit to show up. The whole process took a few minutes though you have to call the rep and you cannot do this over the website or the app.

 

Credit Score: 617 Credit Limit: 500 Age: 25-34

Posted 04/18 2017

I decided to get the Discover It secured to build a credit history. Prior to this, I had no credit card and paid in cash for my second hand car years ago. Though I do not have any credit history, I do have a couple of unpaid medical bills that are in my report (delinquent). Still I was approved and after I put in all the information online, I was asked to give my bank account details like routing number. My card arrived about a week later.

I have to say that the customer service is excellent. The website and app are easy to use. I would definitely recommend this card.

 

Credit Score: 580 Credit Limit: 500 Age: 25-34

Posted 12/11 2016

So this is my approval process. Applied online and it was "instantly approved". I made my deposit online with my checking account credentials and 2 days later, the money got taken out of my checking account. Despite that, the status on the website said "application finalized and expect your card to arrive in 2 weeks". Then after a few more days, I checked the website and it said "you have been approved". I got my card a week later.

My experience has been great. I use the app all the time to check my account. You can even pay from the app but I set up autopay so there is never a chance that I am late.

 

Credit Score: 513 Credit Limit: 300 Age: 35-44

Posted 11/24 2016

I was very nervous about applying for this card because I had a few derogatory reports (delinquent medical bills) in my reports. To my surprise, I was approved. I deposited $300 online by giving them my bank account information and two days later, the money was withdrawn. Think my example goes to show that even if you have bad credit, Discover it secured will give you a chance. After my first billing statement, I checked my credit reports and found that Discover has reported to all three bureaus.

 

Credit Score: 558 Credit Limit: 500 Age: 35-44

Approved 2 years after Bankruptcy

Posted 10/09 2016

I filed BK and was discharged 2 years ago. After spending hours researching secured cards, I decided to go with the Discover and Cap One secured cards. I applied for both and was approved. Discover pulled EQ and Cap One pulled all 3. The put down $500 for the Discover and $49 for the Cap One but got a $200 limit. So in total, I had $700 limit from 2 cards.

I like both of these cards. They have not given me any problems or issues so far. 8 months in and I got a credit limit increase on the Cap One to $500 without having to put down any more deposit. My scores have also improved from about 558 to 620. I hope to graduate from both after one year. Keeping my fingers crossed.

 

Credit Score: 603 Credit Limit: 300 Age: 25-34

Posted 09/25 2016

4 months ago, I applied for the regular Discover it and was denied due to "insufficient credit history". So I decided to apply for this secured card. After I applied, I did not hear from them, no email or anything. Then the next day, I got an email telling to get my deposit in to finish the application. I gave my bank account details (a/c number and routing number) and after another 3 days, the money was taken out of the bank account. After a week and a half, I finally got my card.

Once I got the card, I took the advice of a couple of friends and immediately set my payments to autopay so that I would not be late. Every month, I spend about $70 on the card. I have put my hulu account and utilities on the card. After the first statement, I checked my credit report and saw that Discover had reported (as secured). I then checked my credit score (EQ) found out that it had increased by about 35 points just from opening the account.

I really like the website and the app. They are easy to navigate and use. You can check all your account activities on the app and even pay your bill from there. The customer service is also very good in that you get American phone reps and not overseas ones where you cannot understand them.

After 11 months, I got an email from Discover telling me that have sent a refund for the initial deposit and that my card was now unsecured. My credit limit had also been increased to $1000. I checked my score is it was now 690 and the credit report has also reported as unsecured just after I was informed of the changes.

This has been a wonderful experience for me and I would highly recommend this card.

 

Credit Score: 505 Credit Limit: 500 Age: 35-44

Approved 4 months after Bankruptcy

Posted 06/16 2016

My score was about 640 when I tried to apply for the regular Discover card. I was denied but counter offered the secured version. I decided to put down $200 as a deposit and received my card within the week. I was also told that I would be reviewed for a graduation to the unsecured card. I intend to use this card to fill up my gas tank and some small items.

I really love Discover's website and app. I could check my FICO score with the card and pay bills with it. This is simply an awesome card.

 

Credit Score: 540 Credit Limit: 1500 Age: 25-34

Posted 05/27 2016

I am so pleased with my Discover secured card. I deposited $1500 into my account and used it carefully. I never used more than $300 of my limit and I always pay in full. I decided to get Discover after doing a lot of research. The thing that really attracted me was that there is no annual fee and they even have a reward program. However, my experience has been better than I thought.

The website and app are great. I can monitor all my activity from the app. I also like the fact that I can check my FICO score with Discover. Customer service is also great. I would highly recommend this secured card.

One more thing, I graduated after 13 months.

 

Credit Score: 579 Credit Limit: 500 Age: 35-44

Posted 12/07 2015

What can I say...this is such a great card. One of the few secured cards with no annual fee and a reward program. I have a couple of others like cap one, citi and merrick bank. I really Discover's app - so easy to use. I pay my bills with the app and found out that it post the next day and my available credit will be immediately available. In contrast, Merrick bank will put a hold even after you pay!

 

Credit Score: 605 Credit Limit: 300 Age: 25-34

Posted 10/26 2015

My credit is not exactly the best because I made some very bad decisions when I was younger. My score was about 605 when I applied for Discover. I was denied but was offered the secured version. I took the offer and deposited $300. I like the fact that there is no annual fee and there are rewards as well. I could also check my FICO score. I was told that if I use the card and pay off my bills on time, I will be considered for graduation to an unsecured card in the future. This is a great card and I would recommend it if you cannot get their unsecured card.