https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843889#M1070418 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. Fri, 06 Mar 2015 12:15:30 GMT Imperfectfuture 2015-03-06T12:15:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843886#M1070415 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.<BR /><BR />How much do you wanna bet they won't report next month when the balance is lower?<BR /><BR />That Discover...gotta love 'em! Hehe Fri, 06 Mar 2015 12:09:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843886#M1070415 JSS3 2015-03-06T12:09:50Z https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843889#M1070418 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. Fri, 06 Mar 2015 12:15:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843889#M1070418 Imperfectfuture 2015-03-06T12:15:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843893#M1070420 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. Fri, 06 Mar 2015 12:21:24 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Discover-is-slick/m-p/3843893#M1070420 JSS3 2015-03-06T12:21:24Z