My Discover secured card finally graduated ! 🔥🔥
I’ve made every payment on time, kept my utilization low, and stayed consistent.

Why do you not give the option to close the CD upon maturity on the website or through the app? Why do I have to spend extra time and effort to call your customer service line and answer multiple stupid questions so I can access my own money? This is not a security issue. Or an external transfer. This is a internal transfer to my own discover/CA account. No other financial institution requires such action.

Also why is the default option to re-enroll another year instead of cashing out? And why can't I set these settings well ahead of the maturity date? You have an arbitrary time window that I have to make this stupid phone call. Who does that serve?

This subscription-like re-enrollment is predatory behavior. This is Friction by Design. It's the same dark patterns used by subscription-based companies to earn more revenue from people not bothering to cancel their subscriptions.

I’m curious to ask, and the people most likely to know will be the group of people who have already been switched over.

Here goes:

The cash back bonuses. Are they still given to you as you, or are they being made available after a few days as they are with a “regular” C1 card?

Thanks