Madesomemistakes: Thanks for the info. I got my Kay card last Dec. to buy a Christmas present. They gave me a good CL of $7650 to start, I had just hit 700 Fico EQ the day before, and that is what they pulled. I got the 12 mo. no interest deal on the 3K, and paid it off last month. I am waiting for it to post this month(usually the 22nd) as a zero balance on my reports. I paid it off before it reported last month, but they always post the previous months balance on my CR....a month behind. I'm looking to improve my utilization, and a decent CLI would help get me to that magic 9% of my revolving credit limit overall. Thanks again for the info, first time I could find this on the forum for any recent activity during these uncertain credit times.