Thanks for the advise. My 7th statement is next month. Hopefully it will autmoatically work out. If not, I will give your advise a try!
You’re conflating unrelatedly events. If you look in the big DSC thread you will see that you called too soon and you where going to graduate anyway if you did nothing. Threatening to close your account and lecturing CSR who has no power to graduate your account had no impact on your graduation. They soft pulled me about 3 days before graduation and a few days after day I received the notice. I don’t think a week had passed since the 7th statement cut.
They did not soft pull you because you called and/or gave list of reasons why you should graduate. They use an algorithm to determine graduation and humans are not envolved. Obviously it’s proprietary but people who don’t graduate have just yet to use the card in the pattern they are looking for.
What is the working theory about the pattern they are looking for?
I just got my Discover card this month. Since getting it, I have been running nearly all of my day to day expenses through it, because it's my only card that gives cash back, except for the Amazon store card. I am running into problems with my $500 limit vs how long it takes payments to fully process, so I am planning to increase my limit as soon as they let me (31 days after opening the account, in my case, June 11). I am sometimes "nearly maxing it out" in the sense that I've made a payment, but it isn't reflected yet in my available credit. The balance is fine but available credit has been as low as $20.
I've been assuming they'd like me using the card a lot (swipe fees), but would this actually spook them that I might get overextended?