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How many credit cards you currently have? keeping a $0 UTIL can hurt your score and Fico likes to see some type of movement on the cards each month.
Keep it between 1-9% UTIL every month!!!!
I absolutely disagree. If you only have 1 revolving account, I'd go for 0% utilization. For ideal scoring, I wouldn't play the 1-9% game unless I had 3 open cards. 0% utilization on 2 of them, and 1-9% utilization on one of them. Definitely get some opinions on the CC board about what criteria you should shoot for to app for Discover. I got mine when I had 4 open cards.
I would personally pull the trigger. Are they sending you offers for the IT or the More? People seem to love the IT.
Worst case scenario - turned down, and if you were, you'd get a score and have the opportunity to recon.
If that happens, I'd apply for another card I wanted while you're using hard pulls anyway.
Also, you could consider asking if those other cards would consider re-opening.
I don't know why you want a balance reporting on your only revolving account. I really think you're better off, since you only have 1 revolving account, to do it at 0% utilization.