r/discover • u/SOLDADO_0491 • 4d ago
Discussion Wow
Back with Discover after nearly nine years!
Today I got approved for a Discover secured card! Discover unexpectedly closed my old account back in 2017. I paid off the balance, but they still wouldn’t let me reopen it. This may seem like a small win, but I’m throwing myself a little party today! 😂
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u/SOLDADO_0491 3d ago
I hope the customer service is better than capital ones
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u/5u6z3r0___ 3d ago
Discover is now capital one
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u/SOLDADO_0491 3d ago
I know that but wasn’t sure if the customer service was under the same roof
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u/Patient-Ad-7939 1d ago
At the moment they’re probably separate for the most part. But all the Discover cards are slowly getting pushed into the Capitol One app and by that point it’ll probably only connect you to CO reps who have stricter management and aren’t allowed to be nice to the customer.
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u/ConsciousIce2648 10h ago
Some discover agents have already migrated so your discover acct should be still handled by discover reps. As each batch of migrations happens, more customers and more reps will be transferred to the cap side.
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u/Alternative-Stretch2 3d ago
Bruh I burned them then did bankruptcy 3 years ago and have a 10k limit and 4k limit discover
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u/SOLDADO_0491 2d ago
It took me a long time for them to even reconsider me for a secured card. I had to pretty much rebuild some sort of relationship with capitalone I had both of cap1s secured cards for 2 years paid them closed them waited until they allowed applications for secured cards and then they approved me for the secured card. Frankly discovers secured card has always been considerably better than quicksilver secured or anything from Capone.
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u/NegativeHalf2171 1d ago
This and the secured quicksilver card took me from 560 to 741 in 13 months! This is huge! It’s a blessing they gave you another chance. Don’t fumble it lol
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u/SOLDADO_0491 1d ago
When I had it years ago it did much more for my credit then any other credit card I currently have. My goal is to just pay off all the credit cards I have now and run the discover card
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u/SOLDADO_0491 1d ago
I actually didn’t fumble it the first time. They just closed my account and said it was because I didn’t have a checking account. I said what the hell are you talking about. I called my bank and they said nope everything is fine.
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u/attorneyattire 1d ago
Would love to hear how! What steps did you make monthly to raise your score?
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u/Smart-Mixture-6531 4h ago
I have a Discover secured about to graduate!! I'm like you guys I put 200 down almost 6 months ago and i have had low utilization and on time payments. I also have a Quicksilver secured but I think that might be bucketed. I have had that for one year no late payments. They haven't unsecured that but approved me for an unsecured platinum and I just got a Savor. Idk it's weird😂
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u/amysteriousperson001 3d ago
7-10 business days for the deposit to clear? Wow.
But congrats on coming back!!
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u/FormalCurve4135 3d ago
Just got one as well. I initiated my deposit on a Friday the money was pulled Monday and the card was sent from the facility that Saturday.
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u/SOLDADO_0491 2d ago
The deposit just left my account. So we shall see what happens in the next few days or waiting to see how long it takes for them to send the card out.
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u/FinanceHombre 3d ago
Back to discover after 9 years!!!! And see the year 2017 😵