Epic Contributor
Posts: 26,781
Registered: ‎10-23-2007
Re: 2%+ Cash Back on Everything Cards

My dad swapped out his Circuit City card for it and then we added me as joint!!


Well I recently also product changed a platinum card to a signature Southwest Card that I was also added as joint to and I have replaced the business Amex Charge with the Southwest Card.


So right now I'm not really worried about util because I made use the of the "signature" part of the credit card already and charged up over the limit and will have it paid down before the statement cuts so I have raised the "high balance" that will report to credit, but eventually as I pay down other debt, it would be nice to not have to pay before statement to protect util, if it was a business card I wouldn't have to worry about it. 

Fico Scores 8: EX 718. TU 699. EQ 658. 11/10/2015