To apply for a Discover it® Secured Credit Card, you don’t need a high score. You can still get approved even with a bad score and a limited credit history. But keep in mind Discover takes other things into consideration for approval. You need to have a bank account, provide proof of income and not have any pending bankruptcies in your name.

Since this a secured credit card, your credit limit is the same amount as your security deposit. With the Discover it® Secured Credit Card, the minimum amount is $200, and it can go up to $2,500. However, not all applicants are approved for the $2,500 maximum. It all depends on your overall creditworthiness.

Yes. With responsible use and on-time payments, you might graduate from a Discover it® Secured Credit Card to an unsecured card. Discover automatically reviews your profile after the 6th billing cycle to see how well you’re managing your finances. There is no guarantee you’ll upgrade on the 7th month, but good use of the card hightens your chances.