I chose this card because discover is a great name and I thought it would help me restore my credit. About a year ago I began a serious rebuilding of my credit score. I made some major credit related financial mistakes in my youth which hurt my credit. Last year I started applying for just about any cards I could get approved for. I was given a 300 secured discover card and a few others. Every month I would spend a couple of hundred dollars on this discover card and then pay it off at the end of the month. It states that after 8 months they evaluate you account and decide from your 8 month history whether or not you can move to an unsecured card and have your original security deposit refunded. My history with this secured discover card is absolutely perfect. I have never missed a payment and have paid off the balance every single month. Over the last year I have now been issued 5 other credit cards and managed to jump my score nearly 75 points higher. Every single credit card that I have been issued raised my credit limit nearly 3-400% of the initial balance and now I'm already being offered car loans, etc. The only card that has never changed, grown or helped me was this discover card. Not only did they NOT evaluate my account after 8 months but my credit limit has never changed at all. I have written to them several times asking them to evaluate my account as they promised only to be blown off with a standardized letter explaining how they will evaluate my account after 8 billing cycles, etc. This is funny considering my letter to them is about them NOT doing this very thing. If you are able to get a Credit One card I would recommend that before this secured discover card. They have raised my credit limit and now have offered me their higher end card with a much higher limit after 9 months of responsible use on their starter unsecured card. You also may want to try store specific cards. I shop for music related gear quite often and was issued a sweet water card and a guitar center card both through synchrony bank. Both of those cards have raised my credit limit literally thousands of dollars within a year and that has seriously helped my credit scores. Online research showed this discover card to be a good credit building card but for me it has been a lack luster experience and not as helpful as other cards I have used as credit building tools over the last year.

I did not want to apply to many CC's because of the hard pull, and so I got me a Discover card. Put 500bucks down, kept it under 2% for 7 months, had actually to force myself to use the card, yet always left a couple of bucks on the card after paying it off right away, not once above 1%, hence 5bucks. Then they sent me a check for the deposit and increased my limit to 1.5K to an Discover chrome. Bit low for that I am now in the 720 range of credit scores and started with around 580, yet my history is pretty new, so despite the low increase I am glad to have a real CC.

And yes folks it is REALLY possible to increase your score around 150 points within 6-7months if you have nothing really major on it. I paid two collections I did not even know about off, with the agreement that they take it off my credit history and boom I was in good standing. Just relative new, but some oldstylish people, like me, don't care much about it, yet it is necessary. So thanks to Discover, also, I am fine now, and next will be Amex and Cap one because I still have not any other accounts....my bad, but I pay my stuff off right away usually. A car loan would have helped I was told. Neverthless thanks Discover, I will not forget that, that it truly happened like it was written here plenty of times, just the increase was a bit low....expected more trust....no offense. Like I said, 720ish Credit score, around 85K salary, no collections, just new history...bit disappointing! BUT a good card to start with....so, once again thanks Discover! Only four stars because of the low increase.....

I've had the card for about a year and a week. Started out with $200 secured deposit. I made about 2 payments a month and tried to have a zero balance around statement time. Usually the balance was 0-50. Paid in full ever month. I get $35 I'm matching cash back so I've earned $70 in free money. Also, last night they emailed me that they were graduating me to unsecured with a $2k limit. Very happy with this car. Tip: if you spend freely do what I did a few months in and cut up your card. Use it for a couple monthly regular charges and pay it every month in full. Starting credit score 603 to 619. Although I did have a settlement boost it. So doesn't improve credit score much but a great card anyway.

i was declined. and this is a scured card wow. ......... .................. ............................................................................................................................................................................................................................................................ if no stars were available i would give it

My score was 505, and I got approved. Unemployed put I put my husbands income on the application. Hopefully this allows me to rebuild my very bad credit. I have allot of old medical bills on my report.

I applied for the discover it card with a score 523 i was approved for the card took about 2 weeks to rexieve it with in a week my credit score went 84 points 607 now two weeks later it went up another 11 points 618 i make my payments as soon it shows up on my discover app i love this card i strongly recommend that you get this card

I deposited $300 with a credit score of 589 and after 7 months I'm getting my deposit back and credit line increase to $2000 with credit score 622. Plus cash back and match for first year. Amazing card!

Just took my $200.00 out of my Bank so I am hoping like everyone says that in about 7 or 8 months I will get my 200.00 Back and unsecured card with a bigger limit. Good luck everyone and Thank you Discover!!

I applied for secured Discover card and was approved to my surprise. I started off with a embarrassing 461 credit score, I just gave up on credit but I needed a car and the car salesman told me I had the lowest score he ever seen. Now after getting educated on how credit works in a little over a month my credit score is 557 and rising. I know 557 credit is is still poor but now being smarter about credit im looking forward to a 685 credit score. Also have secure Cap 1 card and secure us bank card. keep your balance low and pay my bills on time just like i have been reading and my score is rising. Hope my story help someone.

I have a 589 credit score and could not get a card anywhere, not even secured cards, but Discover approved me for this one. I'm so excited to begin rebuilding! Thank you Discover for giving me the chance :)