I started my credit repair journey just over a year ago and raised my CS from the low 600's to mid 700's. I applied for the regular Discover card, but was only offered the secured card option. I mailed in my $200 SD and have used the card regularly since. On my one year anniversary, Discover sent me an e-mail saying they're mailing back the SD and maintaing my $200 CL. I'll let you know if and/or when I receive a CLI.
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I have had this card for approximately a year and a half now. I have always paid early let alone on time, at least made well more than the minimum payment if not paid off the entire balance, and I am still waiting for them to approve me for an unsecured card. They state my credit score hasn't risen enough yet and apparently the relationship I've had with them for the last year and a half means nothing in the decision process. This is a good card just to have a credit card, but is not even accepted everywhere. I also had a CapitalOne secured card and have already received my deposit back, been approved for an additional unsecured card through them with cash back, and as a Mastercard it is accepted far more places. I was hoping to keep this card as an unsecured card so that I would have 2 different forms of payment (Mastercard and Discover), but I am on the verge of just closing this account to get my deposit back and just using my 2 CapitalOne Mastercards from now on. The only pro Discover has going is that their customer service is far more friendly, helpful, and knowledgeable. I hope this clarifies Discover's somewhat misleading selling point for some people.
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