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My first year with Discover - Data Points

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Valued Contributor

Re: My first year with Discover - Data Points

Added another CLI and Link to new more comprehensive overview of Discover 

Message 11 of 35
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Valued Contributor

Re: My first year with Discover - Data Points

Added 12/1 CLI amount and some additional notes to the end regarding their lending group.  $6K and setting the clock for 2/1/2017!!

Message 12 of 35
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Valued Contributor

Re: My first year with Discover - Data Points

ETA:I didn't get a HP or anything but, when it finally updated from the supv processing they rounded it off to $42K instead of that nagging $600 on the end!!!!

 

12-5-2016 5-37-02 PM.jpg

I guess it was a good idea to call about that weird CL after all!!!!!!  Thanks Discover for making it all better!

 

Message 13 of 35
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Frequent Contributor

Re: My first year with Discover - Data Points

Question. When using your card, do you pay in full when the statement cuts or do you pay it off a few days after it has posted? 

 

Just got my card two days ago and want to maximize it to the fullest. 

 

Again, great threads for the discover card. 

Cap1 Quicksilver || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa


Message 14 of 35
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Frequent Contributor

Re: My first year with Discover - Data Points

This is a great thread.  I've copied your data points so I can use it as a guide/reference/template.  I got my card and just began to use it this week on some gifts.  My score is nowhere near yours, but I am hoping to see some growth over the next year.  Thanks!!! 


NFCU cashRewards Signature Visa | NFCU goRewards Signature Visa | NFCU CLOC | Lowes
Cap 1 Quicksilver (2) | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | DCU Platinum| Barclay Apple Rewards | Wells Fargo Store Card |


FICO 8 EQ 662 / TU 657 / EX 635 May 2017
EQ 673/TU 668/EX 651 June 2017


BK 7/2012 In the garden as of 7/7/17
Message 15 of 35
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Valued Contributor

Re: My first year with Discover - Data Points


@ScoreSizzle wrote:

Question. When using your card, do you pay in full when the statement cuts or do you pay it off a few days after it has posted? 

 

Just got my card two days ago and want to maximize it to the fullest. 

 

Again, great threads for the discover card. 



I don't do anything special with it.... just use it, let the statement report, and autopay in full each month.  I've auto billed cable/internet to it each month and use it for some other smalll stuff every once in awhile.  Discover likes it when you play hard to get apparently where others like you to abuse them and rub the numbers off the card to get a CLI.

Message 16 of 35
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Frequent Contributor

Re: My first year with Discover - Data Points

Okay, perfect. 

 

I like it... they wanna chase you. Always a fun game, lol. 

Cap1 Quicksilver || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa


Message 17 of 35
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Established Contributor

Re: My first year with Discover - Data Points

Congratulations! Wow persistence really pays off with Discover! Thanks for the great data sharing too! Smiley Happy
gardening: 01/05/2019 updated: 01/23/2019 rebuild: 2/2016 EQ 648 TU 642 EX 663
Start Mort: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Curr Mort.: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Goal Mort.: EQ 850 TU 850 EX 850 Fico 8: EQ 850 TU 850 EX 850
Take the myFICO Fitness Challenge
Message 18 of 35
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Valued Contributor

Re: My first year with Discover - Data Points

LOTR

 

Did you see the follow up to this that sort of explains how they work from app to CLI ?

 

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538

Message 19 of 35
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Established Contributor

Re: My first year with Discover - Data Points


@austinguy907 wrote:

LOTR

 

Did you see the follow up to this that sort of explains how they work from app to CLI ?

 

http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538


Nope.  Sure didn't, but I'll be looking at shortly!  Thanks! Smiley Happy

gardening: 01/05/2019 updated: 01/23/2019 rebuild: 2/2016 EQ 648 TU 642 EX 663
Start Mort: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Curr Mort.: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Goal Mort.: EQ 850 TU 850 EX 850 Fico 8: EQ 850 TU 850 EX 850
Take the myFICO Fitness Challenge
Message 20 of 35
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