X-post: Working my way out of sub-prime cards

[cam006]

Thanks!  I fired First Premier today!  My AF was $48 with them, so I wasn't paying $179 - that's a scary AF!  I will try giving merrick a call to see what can be done about that late from 7 months ago.  Love the boot graphic!

[westo12]

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@jamesdwi wrote:

I would suggest you garden untill your lates are a year old and your UTL is less than 9%, then apply for something prime hopefully your score is over 650 by then. 

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Question for you regarding this ^ - I have 3 lates on an auto loan in the last year and my util is approx 49-52%, but my score in the next couple weeks should top 650, does this mean I could app for a prime card for a bal transfer I'd love to do??