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QUESTION REGARDING MY NEW DISCOVER IT CARD

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Re: QUESTION REGARDING MY NEW DISCOVER IT CARD


@Remedios wrote:

@CardNut wrote:

@Remedios wrote:
How is using 40% of the limit 99% utilized?
Unless something changed since yesterday, 40%=40%.


I came within 40 cents ($0.40) of the limit, not 40%, which is 99% utilized. 


 

 

Obviously I need more coffee. 

I've had it happen to me when AU was added and Discover reported off cycle.  I did ask them to report again after payment because I could not look at it. I lost less points than you,  19 or something like that. 

Utilization was at 91% and because anything over 89% is considered maxed out, that was surprisingly small loss. 

 


It was worth the 40 pt ding. I still was around 800 after it and I earned interest on the money, since it was at the 0% promo rate for a year.

Scores, HPs/24 mos. (updated 2/21/20):
    Experian FICO Score 8 = 848, 2/24
    TransUnion = 837, 1/24
    Equifax = 838, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,942.08
=================
Total Spend: $43,688.41

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $264,500

Cards (hover over for CL | interest rate | Date Opened):
Message 21 of 21
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