Its been said disco likes it when they are your main card. So report lower balances on other cards. I'm letting my new disco report about 25% on statement cut, but for the first month I used 111% of my limit paying down multiple times to not exceed limit. And of course PIF.
I probably won't be cycling the limit every month, Dec is a high spend month. But I plan to put about 75-80% through it regularly and continue to let 25% post on statement and then PIF.
This is the strategy I'm using, lots of people have mixed results with disco
I probably won't be cycling the limit every month, Dec is a high spend month. But I plan to put about 75-80% through it regularly and continue to let 25% post on statement and then PIF.
This is the strategy I'm using, lots of people have mixed results with disco
Dont worry sbout percentages, just use your card and pay it on time. K.I.S.S method. There is no one true way to appease the Disco gods but by using it and paying on time, you will appease the #1 and #2 credit rules and feeding a Disco monster is better than starving one
I would suggest waiting to ask for an initial increase after using for 6 months - and then from there you can technically ask every 30 days if you find Disco does not want to give any increases initially. They do not have a consistent method as for me, I received a small increase after one year on first card, added a second account after year one then by year two consistently got more increases every 6 months before combining cards and limits where I now sit at $27k
Starting Score: 536