Are big first purchases frowned upon?

[Anonymous]

I just bought my first house and wanted to upgrade the furnace I applied for discover and was approved for 14.5k 0 apr 15 months. I am looking to put the furnace (4K) on it and pay off over the 0%apr period is this something g that discover will look down or do they not care.

[CreditCuriosity]

Discover can care less just make more than min. payments

[xaximus]

Discover likes to see lots of usage, they like to be the daily driver. Large or small purchases, it's the same. As long as you make payments on time and bring the balance down prior to your 15 month promotion, you should be fine. It's possible to even get CLI's depending on your usage.

[CreditInspired]

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@Anonymous wrote:
I just bought my first house and wanted to upgrade the furnace I applied for discover and was approved for 14.5k 0 apr 15 months. I am looking to put the furnace (4K) on it and pay off over the 0%apr period is this something g that discover will look down or do they not care.

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It will be ok. I suggest paying 285.71 a month so that the CC is paid off in 14 months (well before 0% expiration). 

Oh, and congratulations on home purchase and Disco approval and nice SL. 

[Anonymous]

Disco doesn’t frown upon much as long as you pay. Go for it!

[Anonymous]

Thanks guys I’ve only had a capital one platinum for a few years and after I closed I went I applied and approved for discover it (14.5k)citi double cash(4.7k) and American Express everyday(1k).Im trying to thicken my file and use my credit wisely.

[CreditInspired]

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@Anonymous wrote:
Thanks guys I’ve only had a capital one platinum for a few years and after I closed I went I applied and approved for discover it (14.5k)citi double cash(4.7k) and American Express everyday(1k).Im trying to thicken my file and use my credit wisely.

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Don’t forget in 61 days to ask for a 3X CLI on your AmX ED. 

[KLEXH25]

Out of curiosity OP, what was your CL before you closed the Cap1? And in what order did you apply for those next three cards? I’m curious about something.

[AverageJoesCredit]

With a huge sl like that , by putting a huge purchase on it and carrying it a couple months you can be sure youll be among the Discover Elite getting those 3-5k cli increases. Youll be in 20k territory by years end imho

[Anonymous]

I never closed my cap one platnium I meant closed on my mortgage. My limit is 1100 on it. I applied for citi first then discover then Amex I was denied when I applied for chase last and I stopped at that.