Okay the discover it secured card.
Soyou 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 myexperience with the discover it secured card.
But before we get started I have aquick 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 aboutcredit, credit cards and how to make money using credit cards.
As a matter offact I was able to make over $1,700 using one credit card.
So it sounds likesomething in which your interested be sure to subscribe to our Channel andclick that notification bell so you don't miss a thing.
Okay so the discoverit secured card has been really good to me.
I applied for this credit cardback in August 2017 and now it's currently October 2018.
Just to give youan idea of the timeframe that I've had to discover it secured card.
So in thattime period I was able to accumulate quite a bit of cash back because you canaccumulate cash back with the discover it secured card.
There also is no annual fee and in regards to the cashback I've been ableto accumulate $1,700 well seventeen hundred and eighty eight dollars.
Sothat's pretty good of course I make videos talking about that so this isyour first time watching a video by me be sure to stop by my channel and checkout my videos.
Especially in regards to the discover it secured card ifyou're interested in getting this particular credit card.
Which is good forhelping you to build your credit, rebuild your credit and it will improve yourcredit score.
As a matter of fact I'm going to show you guys my credit score'sjourney from when I got the discover it secured card to right now.
So so Iwas just chillin yesterday and I got an email last night like 10 o'clock fromDiscover card.
Okay so the email from Discover card was basicallycongratulating me that they're now going to send me back my security deposit.
AndI deposited twenty five hundred dollars initially when I open the card I think Ihad deposited twelve hundred dollars and then I went ahead and did anotherthirteen because I wanted to make sure that I had enough spending power.
And youknow 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 justsays that hey congratulations we're gonna send you back your money.
Which isgreat news I was going to wait until April of next year before closing thiscard because I was like man what's going on why haven't I got my money back.
Sothat's pretty cool the email says it'll take between five to seven days for meto get my money back which I am super excited about.
Ok so just real quickwhat I'm gonna do is I'm going to like I said I'm gonna show you my creditscore's journey since I've had to discover it secured card.
I'm going tojump on my phone I'm gonna start a screen recording here I should havealready started it but bear with me it'll take me just one second I'm gonnastart a screen recording here and show you guys my credit score or my creditscores journey with my discover it secure card.
If you're interested ingetting the discover it secured card definitely go to the discover site andcheck it out it's a great credit card.
I've had a good time the only problemthat I've had with it was like man what's going on why is it taking you solong you guys actually start reviewing my credit score and my responsibleuse of the credit card on the eighth billing cycle.
So why is it taking solong to approve me for the unsecured card or to promote me to the unsecuredcard.
So anyway I'm alright I started a screen recording here I'm gonna go aheadand log into my discover account on the phone here.
So I'm using my iPhone 6 hereI 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 wantto show you guys my journey.
Alright so there's two accounts here as you can seeit's the one that's at the bottom.
Ok the discover it with the card number endingin five nine zero three with a twenty five hundred dollar credit limit that'smy Discover secured card so I discover it secured card.
And I'll go ahead andtouch on that just to kind of show you guys.
And as you can see here cash backbonus I'm gonna make a video I should have already made the video regardingthe cash back bonus.
I've earned one thousand seven hundred eighty eightdollars and fifty five cents.
Alright so I'm gonna go ahead and touchon FICO credit score here as you can see so this is your FICO credit score.
I'mgonna click on that.
Alright so it pulls it up here and as you can see as of asof October the 10th 2018 my FICO score according to TransUnion is 743.
Nowthis is the FICO score this is legit.
This is what most banks and you knowlike car loans, house loans this is a legitimate credit score.
So I'm gonna goahead and click on let me click on okay sure I clicked on that.
So I'm gonnascroll back here a little bit so I want to kind of show you guys.
So it doesn'thave August I really like I said I got thecard in August 2017 but as you can see it has November 2017.
And you can see mycredit score there on the screen was 635 and we're just gonna scroll on throughhere as you can see in April 2018 it jumped up to 724.
And we're just gonnakeep on scrolling to now.
So as you can see now in October 2018 my credit scoreis 743.
I applied for the Discover card and my credit score at the time of thatapplication was actually 771 according to experian.
So that is a FICO creditscore, the discover it secured card will absolutely help you build your creditscore ok.
Definitely want to make sure you check out my videos if this is yourfirst time watching my videos I talked a lot about your credit.
I talked about howto tweak it and how the credit score is made up or what makes up the creditscore.
So you definitely want to make sure you get involved in go to mychannel and watch the videos and you know leave me a comment in the belowthis video if you have any questions and I'll do my best to get back to you assoon as I can.
Ok so real quickly if you're interestedin getting the discover it secured card like I said definitely go to the websiteand make sure you're looking at the secured card ok so you definitely wantto 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 youget this particular credit card from discover and what I like about it isnumber one there is no annual fee.
So that's really good but you do have todeposit you know if between you have to deposit between two hundred dollars upto $2,500.
Now my advice would be if you're just getting started and you'reunsure you know go ahead and just do $200 maybe $500 and then just take itfrom there and see how that goes.
But you definitely want to make sure that youget the discover it secured card like I said if you're interested in buildingyour credit score rebuilding your credit score because you know we all need goodcredit in order to attain the things that we need; such as a car, a home, cellphone, electricity.
You need a decent credit score for just about anything.
So onceagain the discover it secured card has been good to me.
If you have anyquestions leave them in the comments below and I'll answeras soon as I see the question.
Thank you so much for watching this video aboutthe discover it secured card.
If you liked the video please be sure to giveus a thumbs up it helps our channel quite a bit.
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If you haven't subscribe to the channel consider subscribing to thechannel because on this channel we talk about everything you need to know aboutcredit, credit cards and how to make money using credit cards.
If this soundslike something in which you're interested be sure to subscribe to thechannel and click that notification bell so you don't miss a thing.
Once again myname is Duane with how to build credit TV and I approve this video.
I'll see youin the next video.
Until next time take care and be blessed.