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DISCOVER IT (FIRST MONTH)

Valued Member

DISCOVER IT (FIRST MONTH)

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.

Jumped out the Garden! But I'm running back with Roses!



Message 1 of 14
13 REPLIES
Valued Contributor

Re: DISCOVER IT (FIRST MONTH)

Its up to you. My discover is about to turn 1 year old in june and i has never reported a balance.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 2 of 14
Frequent Contributor

Re: DISCOVER IT (FIRST MONTH)


jsickz32 wrote:
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

Amx BCE-15k,Amx Zync-NSPL
Barclay's Mastercard-10.5k
Credit Union Visa-1k
Discover-19k, Khols-2k
Message 3 of 14
Valued Contributor

Re: DISCOVER IT (FIRST MONTH)

No auto clis. Ive tried for cli too and nothing so my IT has been SD.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 4 of 14
Established Contributor

Re: DISCOVER IT (FIRST MONTH)

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 Smiley Wink

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 5 of 14
Established Contributor

Re: DISCOVER IT (FIRST MONTH)

Discover likes to see balances reporting. If you want CLI's from Discover, then always let a balance report.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 6 of 14
Valued Contributor

Re: DISCOVER IT (FIRST MONTH)

I care more about utl then cli from discover.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 7 of 14
Regular Contributor

Re: DISCOVER IT (FIRST MONTH)

Im not one who believes in this  but Ive had my card 6 months and have carried a balance every month and already recieved 2 auto clis. So not sure but it's worked for me.

Message 8 of 14
Regular Contributor

Re: DISCOVER IT (FIRST MONTH)

I receive auto CLIs even though I don't carry a balance and I PIF before the statement cuts.

Message 9 of 14
Regular Contributor

Re: DISCOVER IT (FIRST MONTH)

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.

Age: 25 | FICO: TU 802, EQ 782, EX 801 | FAKO: TU 778, EX 769 | Garden: 6/2015 | Total History: 7yr 6mo | AAoA: 4yr 2mo | Util: 4%
........24000...............10000.....................6000................7000................500..................5000................18000...............10000
Message 10 of 14