DISCOVERIT CARD 0% INT FOR 14 MTHS

[Anonymous]

As the subject reads, DISCOVERIT CARD 0% INT FOR 14 MTHS, and with that said my first statement was for around $100 after a few payments before statement cut and my second statement will be for just over $1,300 for a few important large purchases. My quesion here is.... While I have the funds to PIF this statement, should I take advantage of the 0% INT for 14 MTHS and just take my time to pay down this card or should I just go ahead and PIF. I'm kinda looking at it from a payment history and UTIL standpoint from DISCOVER'S eyes when the time comes for a CLI...

Any input is greatly appreciated.

Thanks

[NRB525]

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

[Anonymous]

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@Anonymous wrote:

As the subject reads, DISCOVERIT CARD 0% INT FOR 14 MTHS, and with that said my first statement was for around $100 after a few payments before statement cut and my second statement will be for just over $1,300 for a few important large purchases. My quesion here is.... While I have the funds to PIF this statement, should I take advantage of the 0% INT for 14 MTHS and just take my time to pay down this card or should I just go ahead and PIF. I'm kinda looking at it from a payment history and UTIL standpoint from DISCOVER'S eyes when the time comes for a CLI...

Any input is greatly appreciated.

Thanks

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Take advantage of that offer.  I received the same offer when I applied november.  I will keep utilization on the card below 10% and will not be paying in full until the 0% is done.

[Anonymous]

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

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This ^

Discover is a bird that likes to see it's card used and getting it close to the CL thru the first few months allowed me to get auto CLI's to my current limit.

[Anonymous]

They gave me a $1000 CL.I dont even want this card with such a low limit. Hard to stay under 10% UTL with that. I like to use a card, Carry a balance then slowly pay it off. I just took it since it cost me an inquiry.

[Anonymous]

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

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NRB my opening CL is $3,000... Please clarify what you're saying.

[Anonymous]

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@Anonymous wrote:

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

---

This ^

Discover is a bird that likes to see it's card used and getting it close to the CL thru the first few months allowed me to get auto CLI's to my current limit.

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Mack, are you suggesting I should carry a balance close to my CL on my card?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

---

This ^

Discover is a bird that likes to see it's card used and getting it close to the CL thru the first few months allowed me to get auto CLI's to my current limit.

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Mack, are you suggesting I should carry a balance close to my CL on my card?

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I wouldn't do that - Everyones profile and what the company uses to decide what one qualifies for in CLI is different.  I have a line of $7000 and will not be spending and getting it close to the limit.

[NRB525]

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@Anonymous wrote:

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@Anonymous wrote:

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

---

This ^

Discover is a bird that likes to see it's card used and getting it close to the CL thru the first few months allowed me to get auto CLI's to my current limit.

---

Mack, are you suggesting I should carry a balance close to my CL on my card?

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Yes, that is what I am saying (believe that is what MS is also saying).

The limit is $3,000? You should be fine charging up to $2,500. I'd pay more than the minimum obviously, but you can keep the balance up in that range during the offer period.

The Utilization score on your FICO watch will not like it, there will be some few points reduction in FICO for the high utilization on one card, but it should not be too bad. And if you want a Discover CLI, sometimes you have to ignore the FICO ninnies.

[elim]

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@Anonymous wrote:

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@Anonymous wrote:

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@NRB525 wrote:

What is your CL on this Discover card?

And in general, in this case with Discover, I would tend to leave the amounts on the card to try to bump up close to that CL.

---

This ^

Discover is a bird that likes to see it's card used and getting it close to the CL thru the first few months allowed me to get auto CLI's to my current limit.

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Mack, are you suggesting I should carry a balance close to my CL on my card?

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   i think he is saying "get close to your limit (to show Discover you need a higher limit) before paying it down/off"