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@kshurikaDiscover will most definitely do a mid-cycle update and anytime you bring your balance to zero, it will immediately be reported to the CRAs without you requesting it.
I think you may be confusing Discover with Chase here. Yes, Discover will do an off-cycle reporting if you request it, but they will not do an automatic off-cycle reporting if you bring your balance to $0. That's Chase that does that, not Discover. Perhaps there are examples of Discover doing this as well that I'm not aware of, but many times I've brought a non-zero balance down to $0 mid-cycle with Discover and not once have they ever re-reported the $0 balance. I did request an off-cycle reporting with them once, though and they had no problem at all doing it upon request.
I just called Discover and the person I talked to said she would update the reporting today. It will take 24-48 hours to go through and hopefully my scores will go back up by next week.
@kshurikaNope, I already knew about Chase doing it, but was told by a Discover CSR that they would do it once I brought my balance down to zero. I mentioned that I was surprised by this. This was only last Friday.
You have to take what CSRs say with a grain of salt. Either they are misinformed, or they're simply saying that they'll do it for you once your balance comes down to zero. I can assure you this isn't a standard practice for Discover the way it is for Chase, as I've been doing this for years and have never seen a $0 balance reported mid-cycle. In fact, I just paid my balance down to $0 roughly a week ago, so it would have resulted in an updated reporting by now if this were the case.
I didn't invest a lot of time in it, but if you search this topic on the forum you'll see plenty of people saying that Discover will report $0 mid-cycle upon request only, where if you search the same topic on Chase you'll find dozens of threads verifying that they'll report $0 mid-cycle automatically.