They will probably report within 30 days. Set it to autopay full amount, and garden it for a few months, then maybe look at getting another card. Secured or unsecured depending on your CR.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I have a secured from cap 1. It due on the 28th of each month. By what I've read on this forum to increase your score the best way is to have 3 cards. 2 of them PIF each month the other is carry a balance of less than 10%.
@creditlost wrote:
I have a secured from cap 1. It due on the 28th of each month. By what I've read on this forum to increase your score the best way is to have 3 cards. 2 of them PIF each month the other is carry a balance of less than 10%.
This is a good practice. The util game is only of use when you're trying to get a bump for a credit pull. If you're not apping for anything for a bit, it doesn't matter if you're carrying $0, FICO has no memory of util. I try to PIF unless I'm going to app, then I let a small percent post to get a bit of a boost.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.