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As many of you know, I applied and did a BT for Discover in January. My first statement generated on 2/23 and it reported today to EQ. Well, it reported my balance but not the credit limit and went into "Other" not revolving. Does this happen when you do a BT with Discover? In the Credit Line box it says N/A. What's also interesting is that, the date opened was 1/1/2012. I opened it later in the month...mid-January (not that I'm complaining). Also, last activity was 2/1/12 but statement generated on 2/23/12. Is something wrong? Do they report data based on 1st of each month? Any insight would be great. Heck, if they don't put my CL I'll be happy....Note below:
DISCOVER FINANCIAL SVCS LL
Company/Account Name: | DISCOVER FINANCIAL SVCS LL |
Company Address/Phone: | PO Box 15316, Wilmington, DE 198505316 |
Account Number: | XXXXXXXXXXXXXX |
Date Opened: | 01/01/12 |
Last Activity: | 02/01/12 |
Type: | Revolving or Option |
Rate/Status: | Pays account as agreed |
High Credit: | N/A |
Terms: | N/A |
Balance: | $6,950 |
Past Due: | N/A |
Most Recent Date Reported: | 02/01/12 |
Comments on Account: | Credit card , Amount in H/C column is credit limit |
@ArisGreek wrote:
As many of you know, I applied and did a BT for Discover in January. My first statement generated on 2/23 and it reported today to EQ. Well, it reported my balance but not the credit limit and went into "Other" not revolving. Does this happen when you do a BT with Discover? In the Credit Line box it says N/A. What's also interesting is that, the date opened was 1/1/2012. I opened it later in the month...mid-January (not that I'm complaining). Also, last activity was 2/1/12 but statement generated on 2/23/12. Is something wrong? Do they report data based on 1st of each month? Any insight would be great. Heck, if they don't put my CL I'll be happy....Note below:
DISCOVER FINANCIAL SVCS LL
Company/Account Name: DISCOVER FINANCIAL SVCS LL Company Address/Phone: PO Box 15316, Wilmington, DE 198505316 Account Number: XXXXXXXXXXXXXX Date Opened: 01/01/12 Last Activity: 02/01/12 Type: Revolving or Option Rate/Status: Pays account as agreed High Credit: N/A Terms: N/A Balance: $6,950 Past Due: N/A Most Recent Date Reported: 02/01/12 Comments on Account: Credit card , Amount in H/C column is credit limit
Not sure exactly if they have reported wrong but if it benefits you I would overlook it......
Well this was in the alert info when the new account came in. I'm waiting for my other card to report a $0 balance before pulling a report. I just want to double check, but I wonder if they do this for BTs. Hmm...
@ArisGreek wrote:Well this was in the alert info when the new account came in. I'm waiting for my other card to report a $0 balance before pulling a report. I just want to double check, but I wonder if they do this for BTs. Hmm...
Is this TL factored into your overall utilization???
I don't think so since there is no CL reporting notated on the alert. I'm not pulling a report until the other card reports. Generally, the CLs if a card has one appears on the alert. This did not.
@ArisGreek wrote:I don't think so since there is no CL reporting notated on the alert. I'm not pulling a report until the other card reports. Generally, the CLs if a card has one appears on the alert. This did not.
That would be a big + if its not factoring in your overall utilization! Guess you'll have to wait and see!