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Does discover spook easily?

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Valued Member

Does discover spook easily?

Heres the short background
Discover it opened nov 7th
Limit of 500.
Credit score when opened 630
Credit score now 647

Im hoping to put my car insurance on my discover to maximize cash back. Car insurance is 1697. If i put 450 dollars at a time on discover and pay ot off when it posts and do this until the nearly 1700 is paid off, will i spook discover? I dont want them to close my account. Thanks everybody!
Message 1 of 17
16 REPLIES 16
Community Leader
Valued Contributor

Re: Does discover spook easily?

$450 out of a $500 limit is pretty high. I wouldn’t let that balance REPORT. But if you can pay it down before it reports, that would be fine.

Either way, I don’t THINK Disco would panic about it as long as you pay consistently.
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 2 of 17
Established Contributor

Re: Does discover spook easily?

Discover seems to like swipers, especially if you always pay on time.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


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Message 3 of 17
Super Contributor

Re: Does discover spook easily?

Discover tends to like lots of usage and paid in full, as long as you pay it when it posts (or push the payments from your checking), I don’t see it being a big problem as long as they don’t cut a statement with that utilization. Even then, $500 is a very low limit and they likely have some degree of tolerance for people who max out these lines as long as the payment comes swiftly. 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 17
Community Leader
Mega Contributor

Re: Does discover spook easily?


@Moneyproblems12 wrote:
Heres the short background
Discover it opened nov 7th
Limit of 500.
Credit score when opened 630
Credit score now 647

Im hoping to put my car insurance on my discover to maximize cash back. Car insurance is 1697. If i put 450 dollars at a time on discover and pay ot off when it posts and do this until the nearly 1700 is paid off, will i spook discover? I dont want them to close my account. Thanks everybody!

As long as you pay it off, they will love you.

 

EX 759 EQ 774 TU 753


Message 5 of 17
Valued Member

Re: Does discover spook easily?

Ok great guys. Thanks so much. I guess i was just worried that since i barely managed an approval with them. I didnt want a red flag on my account.
Message 6 of 17
Valued Contributor

Re: Does discover spook easily?

Also, have you set up Autopay, just to cover your bootie?
"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 7 of 17
Valued Member

Re: Does discover spook easily?

I have not. However, i check my app every morning. Obsessively. Lol
Message 8 of 17
Valued Contributor

Re: Does discover spook easily?

I do too but...what if? We are working so hard to be stellar it would suck if something happened and BAM! (all it takes is 1 "what if" and you start over with the clocking ticking to remove that late payment. I'm a mommy (sorry)
"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 9 of 17
Valued Member

Re: Does discover spook easily?

I am also a mommy. Ill look into the auto pay. Thank u so much.
Message 10 of 17
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