Discover Statement Cut 0.00 Balance Reported 76.05

[Anonymous]

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@Anonymous wrote:
It’s honestly not a big deal in the grand scheme. You can wait til next month to have things recover, or you can get your balance to zero and call customer service at Disco to request an off-cycle report - they’re great about doing that. I paid a big chunk of mine off some months ago and wanted it reflected since my report date was 2-3 weeks out still. Called up, was on the phone for two minutes to request it, and the next day my alerts showed the balance change. Disco was happy to do that.

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This is great to know!!

[Rebuild2019]

Maybe I will do that. Been thinking about it all day. Trying to stay on the right path! Thanks

[Rebuild2019]

@Hasselfree that’s exactly why I put this up. May help someone else. I thought I would PIF and still show usage pull earn point at the grocery store.

[Anonymous]

Sure thing - you’ll find that Disco is definitely at the top of customer service the longer you’re with them. I’ve been very happy with all of my dealings with them, as have many others. They’re worth keeping for sure

[Anonymous]

Agreed on the ability to request and receive an off-cycle reporting with Discover.  Just make sure you pay the account to $0 first and that you have no pending charges.  If you do that you'll get your 3 points back within a few days rather than having to wait a month.  Totally your choice of course.

[Rebuild2019]

Thanks @BrutalBodyShots I am going to try calling them after the payment clears. Can’t wait to get to the point where 3 points isn’t a big deal. My Mom has been with Discover I think from the beginning and she said she has never had any problems with them.

[Rebuild2019]

I paid the $76.05 to Disco. Called and had the balance reported at $0.00. So then my score dropped 17 points!! I may not use the AZEO method. There are some bad points to that. Pay your bill and your score goes down.

Hopefully this helps someone else.

[Andypanda]

somthing simaler happened to me. did your statment cut on a weekend, and then the new purchase post between the statment cutting and monday? I believe if disco statment closes on the weekend, they will report whatever the balance is on the following monday.

[Rebuild2019]

That’s exactly what happened. Bad part is I started to just pay for it with my debit card, but decided to use Disco because on here everyone says they like swipes.. well this swipe has given me a headache. You would think that sending in as paid to the CA would have been a good thing, but no it cost me 17 points so far. Now back down to poor. I had made it to Fair under FICO 😟

[CreditInspired]

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@Rebuild2019 wrote:
Good Morning,
Thought I was figuring this out BUT.... My Discover Statement cuts on the 20th. I owed 29.95 so I paid that and used the card again on the 19th. Takes 3- days to post. Checked Discover all weekend so last night the website showed my 29.95 payment and 0.00 due on the 15th. Just the way I wanted it considering I have been paying several times a month. I’ve been trying to swipe a lot and PIF.
Checked my EX score and it shows my balance as 76.05 not the 0.00 that my statement shows 🙄. So I lost 3 FICO points. I thought they reported what ever my statement showed? 3 points is a lot when rebuilding. I just printed my Statement and it shows balance 0.00! I did expect them to report highest balance as $76.05.

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First, it's difficult to believe that your score dropped 3 points for $76.05 reporting. That's barely a blip in your credit profile. Believe me, something else happened to caused the drop.

Second, UT has no memory--none at all--so this point drop will mean nothing next month when the scores update.

Third, don't develop a bad habit of watching the pendulum swing back-and-forth regarding your scores unless you're preparing for a mortgage. Otherwise, you'll drive yourself nuts. I know I drove myself crazy in the beginning watching my scores like a hawk. Just enjoy your cards, buy what you want, pay as you are doing; and rest assured that everything in your credit profile will align with the stars.