Maybe because you are paying in full, we always left a balance like $15 or so... but that's before we realized we had to keep only one card under 9% and the other ones at zero. We never paid in full the first 6 months we had it, but left a very small amount on it. From what I read maybe it means to them you don't really need crdit since you are paying in full and also they have no interest increasing your limit. 24% interest on $20 is about $5 or so, so small price to pay. Maybe you can leave a balance under 9% on the cap1 card and the other ones at zero for a few months before requesting an increase...
01/15 EQ 663 TU 669 EX 674 09/14 EQ 653 TU 635 EX 651
10/13 EQ 579 TU 580 EX 598
BoA 1.5k I Cap1Sec 0.6k I Cap1 QS 6k I Synchrony 1k I Barclays 1k
- Goals - Refi car loan 24% to 15% 12/13
Buy a home spring 2015: in progress; Pay off car loan spring 2016 balance $6200
