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Im not sure about the HP , I had so many I lost count I have to go hide in a cave for the next year ..... well I lie because Citi told me to try again in 6 months because I had to many inqs recently but they would love to have me after that I will go away for awhile .
My Chase / Discover I like to do Monthly payments with a couple Lump sums thrown in . I always pay a week Early and more then the minimum , then every couple months throw in a 200-500 payment.
Congrats