So My Cap One secured served me well for rebuilding but now that I got a bunch of nice cards with high balances I decided to transfer the balance to my citi card since it has 0% interest for 18 months.
So I transfereed 768 bucks to the citi card and closed the account. Was surprised at how fast cap one sent the check, only 7 days. The check is for 899. Should I just pay off the balance with citi or I was thinking I could just be making more than the monthly payments each month to establish some history and hopefully get a nice bump in 6 months. It's my only card carrying a balance, and its at 18% util.
I'm never a fan of paying interest, but I guess since it's 0% it doesnt hurt. But would this make it more likely to get a CLI in 6 months or so if I carry a balance and make larger payments?
