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It has nothing to do with your payments being too low. That is a generic letter.
@itguy_65 wrote:They like to lots of use, and large payments to payoff the use.
I pretty much maxed out the credit card in the first month and made 100 - 200 dollar payments for six months before PIF so it got a lot of us and I made at least 3x the minimum payments. Credit Score is in the mid 700s and the Quicksilver Visa is actually my newest Capone card