<prompt> Human: Ok, so I just applied for the discover it card. Its the one that offers 150 cashback, if you spend 750 in the first 3 months Also, theyre offering 5 cashback on all online purchases 1 cashback on everything. I want to use this card for allmost Christmas shopping. They said it might take 7-10 days, possibly 30 for an answer on whether I was denied or not. The offer ends 1231. Customer service top notch in my experience said if I call Ill definitely receive an answer in 3 days. My question, I was approved for my 1st credit card in August at a local credit union was approved, low limit, barely any rewards no cash back. Im 29 no loans ever, 700 fico score 0 credit history. Ive used about 490 every moth since, always paid off few days before it was due never paid a dime of interest. Right now the balance is at 490 I was planning on paying on Christmas due the 28th. My question; should I pay the balance in full tomorrow, before I call to speed up the process? Any questions, tips or general credit info would be greatly appreciated. I also plan on buying a house in the next 8 months - year if I can get excellent credit by then. Sorry about grammar, time sensitivity the wall of text.  <response>: No. They pulled your credit report and score when you applied for the card. Paying down your existing balance wont help you now. 