10-05-2012 09:46 PM
On the plus side, I had to call PSECU today as well... great CS!!!!!
10-05-2012 10:00 PM
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.
10-06-2012 06:46 AM
No worries LS. Everything is cool...
Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...
10-06-2012 08:56 AM
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!