You're way over thinking this, Discover does not need statement balance to know your usage, they own your account and they see all. As for scoring purposes, as long as the individual UTI is less than 28.9%, nothing will change (maybe 2 points at 8.9%). Even if it does go over the score change means very little as it is only temporary and will all return when you pay it down next cycle. I myself let everything report naturally and let autopay take care of the rest while keeping my hard earned dollas in interest bearing accounts through grace period, I'll worry about UTI/AZEO the cycle before I apply for anything major if I feel I need a few points boost, those points aren't going anywhere so micromanaging UTI at all times is a complete waste of time, energy and money.
What's more pressing is why you still have those 2 First Premier accounts and have not combine QS1 into QS to avoid AF? Pisses me off every time I see your sig lol. 
Congrats on the unsecured Discover card. Set it up to autopay the Statement balance, make sure you have that money in your checking when Discover says they will draw the funds, and use the card for regular purchases.
The whole pay-before-Statement-cut is overrated. Don’t fall for it month-to-month.
Enjoy your new higher CL responsibly.
The whole pay-before-Statement-cut is overrated. Don’t fall for it month-to-month.
Enjoy your new higher CL responsibly.
@Anonymous wrote:You're way over thinking this, Discover does not need statement balance to know your usage, they own your account and they see all.
+100, Discover sees it all.
As for scoring purposes, as long as the individual UTI is less than 28.9%, nothing will change (maybe 2 points at 8.9%). Even if it does go over the score change means very little as it is only temporary and will all return when you pay it down next cycle. I myself let everything report naturally and let autopay take care of the rest while keeping my hard earned dollas in interest bearing accounts through grace period, I'll worry about UTI/AZEO the cycle before I apply for anything major if I feel I need a few points boost, those points aren't going anywhere so micromanaging UTI at all times is a complete waste of time, energy and money.
Except with small CL's and large utilization reporting. This can cause creditors concern, I would recommend some control of reported utilization for those that spend a lot on cards with lower limits. I believe it it safe at < 48.9 %, responsible at < 28.9. So for your CL
I would let up to $975 report before making an extra payment or worry. If wanting to be good the number would be $575.
What's more pressing is why you still have those 2 First Premier accounts and have not combine QS1 into QS to avoid AF? Pisses me off every time I see your sig lol.
+100
@CivalV wrote:
Thank you! I am truly an overthinker! I cant help it lmao
Hey hey! In regards to the 2 premier cards I am trying to gain enough credit on my other accounts so that my overall UTL doesnt skyrocket when I do close them. And for my two cap cards.. I have plans to combine them but at the right time. I have to pay off the card in full before combining the QS1 into my QS. I also will be eligible for my 2nd upgrade on both accounts in February. I also want to try and receive CLIs before the combination since that combination will be considered a CLI. I am being patient and taking my baby steps. 😉
I'm just busting. 
Those are logical plans but make sure you don't drag it beyond next AFs, score is important but finances should always come first.
