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Paying Discover Early

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Valued Member

Paying Discover Early

I was recently approved for a Discover secured card. Will the online system allow me to make a payment  for part of my balance before my first statement cuts?  I realize I will still owe a payment once the statement does cut.

Message 1 of 9
8 REPLIES 8
Established Contributor

Re: Paying Discover Early

I've never had a problem paying before the statement date nor have I had problems making multiple payments in a cycle.
Message 2 of 9
Valued Contributor

Re: Paying Discover Early


@Felony_Phil wrote:
I've never had a problem paying before the statement date nor have I had problems making multiple payments in a cycle.

+1, neither have I. 



















Your FICO credit scores are not just numbers, it’s a skill.

Message 3 of 9
Valued Member

Re: Paying Discover Early

Thank you.

Message 4 of 9
Frequent Contributor

Re: Paying Discover Early

Back when my Discover was still secured with only a $500 limit, I occasionally ran over $2000 through it within a month period. But my actual statements never showed more than $50 owed.  I obviously was able to make multiple payments within that period.  If a balance is shown on your online account, you can make a payment towards it on any day you like no matter what your last statement said or when the next one will cut.

Current FICO8: EQ:777, TU:754, EX:761 | 2x 30 day lates 4.5-6yrs ago
AAoA: 10 years; AAoOA: 13 months; Credit Length: 21 years
INQ Eq: 3 / Tu: 5 (4 for auto) / Ex: 9 (5 for auto)
Message 5 of 9
Regular Contributor

Re: Paying Discover Early

Just push it from your checking bill pay. Done
Message 6 of 9
Regular Contributor

Re: Paying Discover Early

Based on my personal experience. If you want early graduation from Discover. Don't use the card heavily.


Message 7 of 9
Established Contributor

Re: Paying Discover Early

@Vu I disagree based on other threads.
No one seems to have cracked the formula but it seems that many have used Disco heavily and still graduated on-time or early. While others have had opposite experiences.
It seems like there are a lot of things that go into play but using the card heavily doesn't necessarily mean a longer period of security.
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 8 of 9
Regular Contributor

Re: Paying Discover Early

You should be fine.

Amex Gold: No pre-set spending limit

Chase Sapphire Reserve: 10k

Amazon Prime Store Credit Card: 4k

Citi American Airlines MileUp: 3.1k

Capital One Quicksilver One: 2.5k

Capital One SavorOne: 2k

Discover it Miles: 1.5k

AAdvantage Aviator Red: 3k

Chase Sapphire Preferred: 800

EX: 690 | EQ: 680 | TU: 677
Message 9 of 9
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