I charged a good amount on my Cap 1 QS1 and Amazon and want to concentrate my payments there while I am getting the 0%. My question is, I have a Discover IT secured ($200 CL) and have not yet gotten my 1st statement yet. I have only had it for 18 days. I use it for everything daily and have made payments of almost triple the cl. My question is, I plan to leave it at a 0 balance until I get these bigger credit accounts paid off. Maybe 3-6 months. If I don't use my Disc. IT during that time but go back to using it after that but before the 12 month mark, do you think that would delay the graduation or lessen my chances of a good CLI when it graduates? I don't want to screw up and not have it graduate.
