My first year with Discover - Data Points

[austinguy907]

Added another CLI and Link to new more comprehensive overview of Discover 

[austinguy907]

Added 12/1 CLI amount and some additional notes to the end regarding their lending group.  $6K and setting the clock for 2/1/2017!!

[austinguy907]

ETA:I didn't get a HP or anything but, when it finally updated from the supv processing they rounded it off to $42K instead of that nagging $600 on the end!!!!

I guess it was a good idea to call about that weird CL after all!!!!!!  Thanks Discover for making it all better!

[ScoreSizzle]

Question. When using your card, do you pay in full when the statement cuts or do you pay it off a few days after it has posted? 

Just got my card two days ago and want to maximize it to the fullest. 

Again, great threads for the discover card. 

[ambivalent]

This is a great thread.  I've copied your data points so I can use it as a guide/reference/template.  I got my card and just began to use it this week on some gifts.  My score is nowhere near yours, but I am hoping to see some growth over the next year.  Thanks!!! 

[austinguy907]

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@ScoreSizzle wrote:

Question. When using your card, do you pay in full when the statement cuts or do you pay it off a few days after it has posted? 

Just got my card two days ago and want to maximize it to the fullest. 

Again, great threads for the discover card. 

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I don't do anything special with it.... just use it, let the statement report, and autopay in full each month.  I've auto billed cable/internet to it each month and use it for some other smalll stuff every once in awhile.  Discover likes it when you play hard to get apparently where others like you to abuse them and rub the numbers off the card to get a CLI.

[ScoreSizzle]

Okay, perfect. 

I like it... they wanna chase you. Always a fun game, lol. 

[Anonymous]

Congratulations! Wow persistence really pays off with Discover! Thanks for the great data sharing too!

[austinguy907]

LOTR

Did you see the follow up to this that sort of explains how they work from app to CLI ?

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

[Anonymous]

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@austinguy907 wrote:

LOTR

Did you see the follow up to this that sort of explains how they work from app to CLI ?

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

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Nope.  Sure didn't, but I'll be looking at shortly!  Thanks!