r/CreditCards•
No-Rub3491

What affect will requesting CLI have after the discover/cap1 merger?

Help Needed / Question

I'm in the process of rebuilding my credit again and got approved for a secured Discover card, it wasn't until I looked at my email that and noticed the Discover and Cap1 merger.

In the past during my first rebuild I had Capital One Platinum Secured Card as a starter but unlike Discover, Cap1 won't automatically give you your deposit back and send you an unsecured card when you develop a stable payment history.

So my question is how will the merger affect the ability to eventually get an unsecured card as a Discover customer and will I still be able to apply for multiple CLIs throughout the year with as a discover customer?

Posted Jun 23, 2025, 4:18 AM UTC

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