This card is for people new to credit as well as people looking to rebuild their credit.
To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. If you are not approved, we will provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we could not approve your application. What do I need to apply?
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You will need to be at least 18 years of age, have a Social security number, U. Be sure to have your bank routing number and account number handy when you apply.
Applications are taken 24X7 on Discover. A secured credit card is designed for people who are looking to build or rebuild their credit. It looks and acts like a traditional credit card except that you provide a security deposit as collateral for your credit card account.
Your credit line will equal the amount of this security deposit. And like a traditional credit card, as you use your credit card, you will need to make payments each month and your credit card account use is reported to the three major credit bureaus. So your on-time payments and responsible use can help build your credit.
Starting eight months after you've been a secured credit card member, we'll review your account monthly to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews will look for your responsible credit use across all your cards and loans, not just with Discover.
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Can I get my security deposit back? If you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus ten days.
We'll also automatically review your credit card account monthly, starting at eight months, to see if we can return your security deposit while you continue to enjoy your card benefits.
These online datings site without credit card are based on responsible credit management across all of your credit cards and loans, including Discover and others. Apply now Will my Discover credit card say "secured" on it? No, your credit card will not say "secured" on it. It will look like a regular credit card and will be accepted anywhere Discover is accepted. How can this credit card help me build my credit? We report your payment history to the three major credit bureaus.
How and when do I pay the security deposit? You pay the security deposit online as part of the application process. Make sure to have your bank routing number and account number handy when you apply. Will applying for this secured credit card generate an inquiry on my credit report?
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Yes, if you submit an application, an inquiry will be placed on your credit file. The impact of this inquiry to each person's credit score differs. How do I return to an application I have started? Click here to search for an application you have already started.
See comparison grid for more. Generally, pre-paid cards and debit cards do not. Does my security deposit cover monthly payments as I use my secured credit card? No, the security deposit does not cover your monthly payments. You must still pay at least your minimum payment due on time each month.
Does my security deposit earn interest? No, the security deposit does not earn interest.
How can I apply to increase my credit line? You can apply to increase your credit line, which would have to be secured by adding to your security deposit, by calling us at Your account must be open for 31 days to be eligible to apply to increase your credit line. Please have your bank information ready when you call. What type of credit do I need to qualify for this card?
Yes, as with any credit card, you may be declined based on the information you provide in your application and your credit history. Factors such as income, pending or recent bankruptcy, debt or recent deliquency may prevent your ability to be approved.
Any pending, non-chapter 7 bankruptcy will prevent you from being approved. If I am approved, how long until I receive my secured credit card? Once your application is approved, you can expect to receive your card in about 10 days, which is the typical time needed for us to withdraw your security deposit, confirm the funds transfer is successful, set-up your account, and deliver your card via First Class mail. Click to play video about secured.
Check out our video to learn more. Not sure if a secured credit card is right for you?