Okay the discover it secured card. So you might be researching the discover
it secured card. Duane here with how to build credit TV and in this video I'm
gonna give you an update on my experience with the discover it secured
card. But before we get started I have a quick message.
Once again my name is Duane with how to build credit TV. And on this channel we talk
about everything you need to know about credit, credit cards and how to make
money using credit cards. As a matter of fact I was able to make over $1,700
using one credit card. So it sounds like something in which your interested be
sure to subscribe to our Channel and click that notification bell so you
don't miss a thing. Okay so the discover it secured card has been really good
to me. I applied for this credit card back in August 2017 and now it's
currently October 2018. Just to give you an idea of the timeframe that I've had
to discover it secured card. So in that time period I was able to accumulate
quite a bit of cash back because you can accumulate cash back with the discover
it secured card. There also is no annual fee and in
regards to the cashback I've been able to accumulate $1,700 well seventeen
hundred and eighty eight dollars. So that's pretty good of course I make
videos talking about that so this is your first time watching a video by me
be sure to stop by my channel and check out my videos. Especially in regards to
the discover it secured card if you're interested in getting this
particular credit card. Which is good for helping you to build your credit, rebuild
your credit and it will improve your credit score. As a matter of fact I'm
going to show you guys my credit score's journey from when I got the discover
it secured card to right now. So so I was just chillin yesterday and I got an
email last night like 10 o'clock from Discover card. Okay so the email from
Discover card was basically congratulating me that they're now going
to send me back my security deposit. And I deposited twenty five hundred dollars
initially when I open the card I think I had deposited twelve hundred dollars and
then I went ahead and did another thirteen because I wanted to make sure
that I had enough spending power. And you know I can kind of use the card however
I want to accumulate a lot of cash back. So I'll put the email on the screen and
like I said the email basically just says that hey congratulations we're
gonna send you back your money. Which is great news I was going to wait until
April of next year before closing this card because I was like man what's going
on why haven't I got my money back. So that's pretty cool the email says it'll
take between five to seven days for me to get my money back which I am super
excited about. Ok so just real quick what I'm gonna do is I'm going to like I
said I'm gonna show you my credit score's journey since I've had to
discover it secured card. I'm going to jump on my phone I'm gonna start a
screen recording here I should have already started it but bear with me
it'll take me just one second I'm gonna start a screen recording here and show
you guys my credit score or my credit scores journey with my discover it
secure card. If you're interested in getting the discover it secured card
definitely go to the discover site and check it out it's a great credit card.
I've had a good time the only problem that I've had with it was like man
what's going on why is it taking you so long you guys actually start reviewing
my credit score and my responsible use of the credit card on the eighth
billing cycle. So why is it taking so long to approve me for the unsecured
card or to promote me to the unsecured card. So anyway I'm alright I started a
screen recording here I'm gonna go ahead and log into my discover account on the
phone here. So I'm using my iPhone 6 here I don't know you guys probably can't see
that too well. Ok I'm going to put my finger touch ID
here. Okay so I'm gonna login and I want to show you guys my journey. Alright so
there's two accounts here as you can see it's the one that's at the bottom. Ok the
discover it with the card number ending in five nine zero three with a twenty
five hundred dollar credit limit that's my Discover secured card so I discover
it secured card. And I'll go ahead and touch on that just to kind of show you
guys. And as you can see here cash back bonus I'm gonna make a video I should
have already made the video regarding the cash back bonus. I've earned one
thousand seven hundred eighty eight dollars and fifty five cents.
Alright so I'm gonna go ahead and touch on FICO credit score here as you can see
so this is your FICO credit score. I'm gonna click on that. Alright so it pulls
it up here and as you can see as of as of October the 10th 2018 my FICO
score according to TransUnion is 743. Now this is the FICO score this is legit.
This is what most banks and you know like car loans, house loans this is a
legitimate credit score. So I'm gonna go ahead and click on let me click on okay
sure I clicked on that. So I'm gonna scroll back here a little bit so I want
to kind of show you guys. So it doesn't have
August I really like I said I got the card in August 2017 but as you can see
it has November 2017. And you can see my credit score there on the screen was 635
and we're just gonna scroll on through here as you can see in April 2018 it
jumped up to 724. And we're just gonna keep on scrolling to now. So as you can
see now in October 2018 my credit score is 743. I applied for the Discover card
and my credit score at the time of that application was actually 771 according
to experian. So that is a FICO credit score, the discover it secured card will
absolutely help you build your credit score ok. Definitely want to make sure
you check out my videos if this is your first time watching my videos I talked a
lot about your credit. I talked about how to tweak it and how the credit score is
made up or what makes up the credit score. So you definitely want to make
sure you get involved in go to my channel and watch the videos and you
know leave me a comment in the below this video if you have any questions and
I'll do my best to get back to you as soon as I can.
Ok so real quickly if you're interested in getting the discover it secured card
like I said definitely go to the website and make sure you're looking at the
secured card ok so you definitely want to make sure you get this if you're
interested in building your credit score, rebuilding your credit score. You
definitely want to make sure that you get this particular credit card from
discover and what I like about it is number one there is no annual fee. So
that's really good but you do have to deposit you know if between you have to
deposit between two hundred dollars up to $2,500. Now my advice would be if
you're just getting started and you're unsure you know go ahead and just do
$200 maybe $500 and then just take it from there and see how that goes. But you
definitely want to make sure that you get the discover it secured card like
I said if you're interested in building your credit score rebuilding your credit
score because you know we all need good credit in order to attain the things
that we need; such as a car, a home, cell phone, electricity. You need a decent credit
score for just about anything. So once again the discover it secured card has
been good to me. If you have any questions leave them in the comments
below and I'll answer as soon as I see the question. Thank you
so much for watching this video about the discover it secured card. If you
liked the video please be sure to give us a thumbs up it helps our channel
quite a bit. And if you want to share this video with somebody that may find
it helpful please feel free to do so as well. If you haven't subscribe to the
channel consider subscribing to the channel because on this channel we talk
about everything you need to know about credit, credit cards and how to make
money using credit cards. If this sounds like something in which you're
interested be sure to subscribe to the channel and click that notification bell
so you don't miss a thing. Once again my name is Duane with how to build credit
TV and I approve this video. I'll see you in the next video. Until next time take
care and be blessed. Peace!