On the plus side, I had to call PSECU today as well... great CS!!!!!
40%...meh...wouldn't worry. I don't think the creditors jump the gun on a one month review anyhow. If they see extremely high utilization continuously for several months, maybe. Your situation...nahhh. Don't worry and sleep well my friend.
No worries LS. Everything is cool...
Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...
Ok. Listen. Look at me. 40% is nothing. In the whole scheme of things you will be fine. It had to get over my own near manic utilization fears and realize that I am being responsible, paying off my CC debt "early & often" like never before. Creditors love to see you use their cards! The only time I worry about util is when I am going to app. Just let everything post and update. Its ALL GOOD!!!
I was recently approved for BCP, FNBO & Simplicity with util >50%. ( Iknow, I know - but that was down from 75% a few months prior.)
Although 40% is not ideal, it's really not that bad. Cheer up, LS!