compassion101 wrote:I'd just not worry about the util until you are planning to apply for credit. Then pay before the statement date that month. All the other months just use the extra 3-4 week float and pay on time
This. Your util, and your credit score for that matter, only matter when you are applying for credit. If you need to spend big once and your util spikes, no big deal it'll just go back down the next month when you PIF. Your score doesn't have a memory of past util like it does with baddies, it's just a snapshot of the now. If you don't want to bend over backwards to control reported util that month, you don't have to unless you are applying for something right then.
Starting Score: 690
severine wrote:WHich number did you call? I called the Chase app number listed in the Backdoor thread and spoke to an overseas rep who told me that it would not be possible to change the terms of the iniital offer
Try calling the number on the back of your Sapphire... Should be US-based phone support.
Alternatively, you may just want to send a Secure Message via the online banking system detailing your request.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
