Credit Card Center Advertiser Disclosure

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: Trying to boost score, Should I open a discover card to increase utilization ?

firstinlastout wrote:

lol on the deeply primitive website !! Man was it hard navigating through that thing !

Wait until you're a member, and you're on the accounts page! Smiley Tongue For some reason, the CC account doesn't display with the checking/ savings/ loans, and you have to click a link to make it display as well. When I pay on line, I have to write down the balance amount or chant it continually under my breath, because it doesn't display on the payment screen. (I'm paying from my outside bank.)

They made the mistake of offering me an online survey about their site, and I jumped all over it. Basically, I praised the CU (and the gas card!) to the skies, but I told them that they needed to get an employee who also has USAA to let them look at its site, and see what smooth navigation is all about.

I did the same with AmEx. I'd say that by now, I'm on the don't-survey-HER fecal chart! Smiley Very Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
Posts: 5,799
Registered: ‎10-06-2007
0 Kudos

Re: Trying to boost score, Should I open a discover card to increase utilization ?

I am not a big fan of getting new credit to lower util (IMHO).
A10k Discover card will still have your util at 20% which is still too high.  You will also get a hit for the INQ and new account.
If you can, paying down the balance is a better plan.  If you can get your util to 9%, you should see a boost to TU and EX scores.  Also if you have more then 1 card reporting a balance, try to lower that to 1 or 2.
10/17/2017 FICO: EQ 829 TU 830 EX 826

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.