Discover is slick

[JSS3]

From what I've seen, Discover won't close a billing cycle if you 1.)change the due date and 2.)get an increase. It will be reflected the following month. Since that is the general case, I decided to move all my balances to my IT. I planned on paying a couple thousand between now and next month to bring UTIL down. What do you know? Discover reported me with 75% UTIL. I will be paying it down as planned.

How much do you wanna bet they won't report next month when the balance is lower?

That Discover...gotta love 'em! Hehe

[Imperfectfuture]

I've heard that Discover does mid cycle reporting if you request. If they don't report when the balance is optimized, then call in and request a mid cycle report.

[JSS3]

Yes, they definitely do that. I can wait considering it will be my only card reporting with 14% overall UTIL. It's funny how they did it though. The pro is that my massive increase is now on my reports. I'm content.