i was told by ba that they like LOTS of use (think cap 1- show them some luvin) and multiple payments/mo. they didn't specify a preference for PIF, but said be sure you're never overlimit, late, etc...and hinted that if you carry a balance, they'd like to see it paid off within 1-2 statements rather than have it linger on. i've been running 2-3x my CL (i have the 99/500) through the cc ea. mo. and am hoping for some CLI love when i unsecure.