Balance Transfer vs. actual charges to CC

[glamchick]

This may have already been asked but I couldn't find this question in the forums.

I understand some cards like to see usage for instance Discover card is like that.  When you request a CLI they sometimes look for usage and balance.   If I do a balance transfer to my discover card and not use the card otherwise just to pay it down is that still considered usage? Or is it everytime the card is swiped?  

I just don't want to neglect my new cards

[Anonymous]

Don't assume that you need to carry a balance or even make a balance transfer to become eligible for a CLI. I've gotten a CLI on cards I've never used.

[myjourney]

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@glamchick wrote:

This may have already been asked but I couldn't find this question in the forums.

I understand some cards like to see usage for instance Discover card is like that.  When you request a CLI they sometimes look for usage and balance.   If I do a balance transfer to my discover card and not use the card otherwise just to pay it down is that still considered usage? Or is it everytime the card is swiped?  

I just don't want to neglect my new cards

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Usage = using the lenders money they don't care how you use it  just that it's used and paid back 

They'll make their money from either interest and swipe fees 

PIF and their stuck with swipe fees alone