05-15-2013 05:27 AM
SO I HAVE A DISCOVER IT AND THE STATEMENT CUTS TOMORROW. ITS AT A ZERO BALANCE, BUT I DID USE IT ALL MONTH AND THEN JUST PAID IT OFF. WHAT I WAS WONDERING SHOULD I HAVE A BALANCE REPORT SINCE IT IS NEW? I ALREADY ONLY HAVE 1 CARD REPORTING A BALANCE EVERY MONTH (ITS CARRYING A BALANCE BUT IM PAYING IT DOWN) SO IS IT FINE TO JUST HAVE IT REPORT 0 ALL THE TIME OR LET SOMETHING REPORT SINCE ITS NEW?? THANKS IN ADVANCE.
05-15-2013 05:30 AM
05-15-2013 06:04 AM
Its up to you. My discover is about to turn 1 year old in june and i has never reported a balance.
have you gotten any auto cli's? we all know discover is very much YMMV, but there have been some recent threads on here debating if its more about usuage or balance activity. i do both but usually let it cut w/ some balance and have gotten 2 auto cli's over 9 months
05-15-2013 06:07 AM
05-15-2013 07:43 AM
Discover seems to like statement balances from what I gathered by the posts. If I am wrong, please somebody tell me. I will be applying soon
100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
05-15-2013 07:48 AM
Discover likes to see balances reporting. If you want CLI's from Discover, then always let a balance report.
05-15-2013 08:03 AM
05-15-2013 11:36 AM
I'm cringing at the all caps lol. I've read that discover likes to see a reported balance and then PIF for good CLIs.
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