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Until recently, the Discover it Secured Credit Card seemed more like an urban legend than a reality.

You had to apply for the unsecured version, and then if you got denied, hope that the customer service rep would offer you the secured version.

I know y’all worry about this, but in my opinion, it’s not a deal breaker.

Sure, it’s possible that if a potential lender sees this on your reports, you might be denied new credit. There have been some changes to the rewards program for this card, so read this carefully.

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