my Utilization 40%
24 Inquiries CC and auto loan
Scores now EQ 676 TU 688
3 baddies 2 Paid CO and 1 unpaid medical CA will falling off this year .
I got pre-approval letter from my local bank
0% APR for 12 months
0 balance transfer for 12 months
3% Cash back for gas
3% cash back for restaurant.
1% cash back for anything ele.
So will you take it or kick it?