PLEASE READ before you pay DIscover for your deposit!!

We have had nothing but problems with this Discover since my husband and I were approved. My husband and I applied for a card at the same time. My husband received his card in the mail, after paying the $200 deposit, but Discover would not activate his card "due to security verification issues" and cancelled the account and said 2-3 billing cycles to receive the $200 deposit back (we have not received that three months later). I was able to use my card for two months until I received an email yesterday from Discover saying that MY card was cancelled "due to security verification problems". I don't even have a speeding ticket and there was no attempt by Discover to reach out to me to verify anything. I called Discover and they would not tell me why my card and account were cancelled due to "security issues". I have not come close to my limit, paid my bill early for the only two months I had it, my credit score was going up and I have no identity theft issues. I now have to wait 2-3 months to get my $200 deposit back. That is a total of $400 of ours that Discover accepted and is holding on to while my credit score takes a hit from a closed account. Stay away, I've never had any other issues with credit cards/secured credit cards like this.

I like the fact that I already have a Discovery account I will be able to make easier money transfer between account and a better manageability, I also like the fact that Discovery is one of the best online Banking institution available.

Have had this card for 3 years with a 1000 credit limit. Have been asking how I could get my card unsecured and they kept telling me to continue to keep balance lower than 30 percent...ok what else? They couldnt tell me why i havent graduated yet, almost lkme its a big secret. My credit score is 701. I applied for wells fargo credit card and was approved for 9000 but discover wont give me a credit line? Wow i canceled that card and now i have to wait the 2 billing cycles plus 10 days for my deposit back... thanks discover for the false hope.

I applied for this card about 2 weeks ago on July 11. I made a deposit of $2500 so my line would be $2500. I received the card on 7/25. Both my Trans union and equifax scores were 559 when I applied for this card. I activated the card on the same day that I received it. The very next day, on 7/26, I received an alert on credit karma and when I checked, I kid you not guys, my equifax went up 103 points! The very next day, on 7/27, I received another alert on credit karma and checked, my Transunion score also went up by 103 points. I wish I could attach pictures so you guys would see the dates and changes. Both my scores are now 662 and that was only for activating the new line! I didn't even start using the card yet. I will update in a few months! I am over the moon guys as I'm trying to fix my credit to buy a house next year. I can only see it going up higher from here on. It took me from the poor credit bracket to the fair credit bracket in 2 days and I haven't even started using it yet! I am so excited and so glad that I went with discover. I'm not saying that your score will go up by that many points as we don't all have the same history with our credit but it's worth a try guys! Try it!!! And no I'm not paid for this review. I really wish I could attach pictures as proof for you guys to see.

I had a 520 FICO when I applied. Was approved and added $200 deposit for my credit limit. I paid my card off or kept my credit utilization under 8% monthly. I made sure I paid the bill at the closing date, NOT the due date! I never paid interest on card and after EXACTLY 8 months they refunded my deposit and increased credit limit to $1,800! HIGHLY RECOMMEND DISCOVER!

Literally just got this card after a couple weeks they sat on my application. However they also have a bank account at this company with my name and over $5K in deposits. Ok so I get the card after a wait of some time longer than my checking debit card. No problem and no questions from them about any additional paperwork. Now the IT card comes and it says to activate so I do that. I am thinking I finally got a break and have some funds to invest in rebuilding and now I am going to start my journey today buying basic needs with the card and paying off the small balance in full each month. NOPE! NOT HAPPENING! I activate the card and stop at the convenience store for a drink and my card is declined. I told the clerk I just activated it so maybe the system is lagged. I pay with the regular discover debit. Ok then I finish my errands and grocery shopping and get them on the phone. "Oh well I see you tried to use your card at X convenience store today. There is a fraud alert on your account." WHAT? The card is less than one day old. So then I get transferred to another rep and then another rep. Oh now my phone number when looked up does not come back with my name so therefore I am flagged for fraud. Also I have to get a notarized statement and send to them until I can use a card that I just secured for $2K without them having any problem taking my securitization deposit. DONE and DONE!!! This company is a consumer craphole and managed by a bunch of most likely brain damaged ditzes. I am securing other credit for $2K so when I close this my overall credit line does not go down despite the closing of account. Oh they did me a big favor by extending the time I can send in the notarization they need instead of just asking me to send a copy of my DL and SS card. IDIOTS!

I got this card after my chapter 13 discharge. Put down $200 and bought a couple burgers each month and paid back fully each month. In the meantime I took a $300 1 year secured loan at my C.U., waited 3 months and got a $400 secured card from same C.U. After 7 months Discover refunded the $200 and switched me to a $1,500 unsecured card. My score went from 545-636 in 7 months. A McDonald's employee took phone snapshots of my card and went on a shopping spree. Discover ruled in my favor and I got the purchases reversed. Very happy with this card.

I've had my Discover It Card for 4 years and have made timely payments, and have maintained responsible use off all credit cards and it has not graduated to unsecured. I was also able to obtain credit cards with higher limits from other credit card companies.

I was so surprised that my score went up 112 points just for getting the card, and I haven't even used it yet. Looking forward to improving even more from here. (It did take a couple of weeks for it to arrive after I was approved). The process was all online, super fast and easy.

I was denied a credit card, I have a discharged bankruptcy but kept my car and never misses payment in 3 years also I have a unsecured credit card with a 28% balance which I never have been late or missed payment and a 600 credit score, I don't understand why I was declined when all over the internet it said Discover card is the best to re-establish credit after bankruptcy? The only plus to this was they ran a soft inquiry so it dint affect my credit score.