Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,115
Registered: ‎04-01-2007
Re: Cap One - add as an AU?
Since the 15% util is listed second, getting that down might well reward you. The negatives are listed in order of importance.

Nothing you can do about the other two but wait them out.

Your husband's other card is attractive for the age, I understand, but no way do you want to add that high util and late to what you have now. Also, I think Cap One reports AU's, but I'm not sure, so you'd definitely want to know that.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007