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Will it be much of a difference if I pay this USAA card down or?

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Legions36
Frequent Contributor

Will it be much of a difference if I pay this USAA card down or?

This card has a balance of about $2900 of $6000 in credit line from usaa. My util is under 10% now and my scores are high I could pay it to zero and closing dates for it r next week but.... I would then have to wait to go on an app spree that I want to do? Suggestions? I don't know that I want to wait much longer but if my score goes above 800 cause this card is close to 50% in balance, only one other card currently has a low balance reporting too.

EQ-784 TU-777 EXP-772 12/11/15

NFCU(11.5k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(1k), Quicksilver(3k), DiscoverIT(2k), AmexBCE($800),
New cards 12/12-NFCU-MC(18.5k), Simplicity(9.2k),Slate(7.5k),Amex(3.8k)
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Will it be much of a difference if I pay this USAA card down or?

With your current scores and utilization I doubt that it would have much affect on another application.

Message 2 of 5
Legions36
Frequent Contributor

Re: Will it be much of a difference if I pay this USAA card down or?

Ok time to apply any suggestions for 0% or low interest. I'm pre qual for nfcu mc, city simplicity and double cash from codes they sent me. Now what else do u guys think is good for me.

EQ-784 TU-777 EXP-772 12/11/15

NFCU(11.5k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(1k), Quicksilver(3k), DiscoverIT(2k), AmexBCE($800),
New cards 12/12-NFCU-MC(18.5k), Simplicity(9.2k),Slate(7.5k),Amex(3.8k)
Message 3 of 5
Anonymous
Not applicable

Re: Will it be much of a difference if I pay this USAA card down or?


@Legions36 wrote:

Ok time to apply any suggestions for 0% or low interest. I'm pre qual for nfcu mc, city simplicity and double cash from codes they sent me. Now what else do u guys think is good for me.


NFCU and Double Cash imho.

Message 4 of 5
Legions36
Frequent Contributor

Re: Will it be much of a difference if I pay this USAA card down or?

What about that white Amex zero% interest card? Looks like the blue one I have? 

EQ-784 TU-777 EXP-772 12/11/15

NFCU(11.5k), USAA(6k), DCU(10k), Sapphire(5k), Duck(5k), Freedom(1k), Quicksilver(3k), DiscoverIT(2k), AmexBCE($800),
New cards 12/12-NFCU-MC(18.5k), Simplicity(9.2k),Slate(7.5k),Amex(3.8k)
Message 5 of 5
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