I've come to understand through reading and looking at my own report that Cap One doesn't report credit limits on cards. I've run my card to 90% utilization paid it off subsequently ran it up there again and just paid it down to less than 10% utilization. Small card actually only 5K. Would I be better off paying the card off waiting a few months and trying to get a better card? My FICO is 708 currently. Only debt now is a new vehicle. Any suggestions on what kind of card would help my score ultimately? Thanks.