On the plus side, I had to call PSECU today as well... great CS!!!!!

40%...meh...wouldn't worry.  I don't think the creditors jump the gun on a one month review anyhow.  If they see extremely high utilization continuously for several months, maybe.  Your situation...nahhh.  Don't worry and sleep well my friend.

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Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)

Take the FICO Fitness Challenge ~ In the garden until June 2013!

No worries LS. Everything is cool...

Remember, "worry is like interst paid on money not yet due"! I tell myself that daily...  

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beautybrainsbooty wrote:

Ok. Listen. Look at me. 40% is nothing. In the whole scheme of things you will be fine. It had to get over my own near manic utilization fears and realize that I am being responsible, paying off my CC debt "early & often" like never before. Creditors love to see you use their cards! The only time I worry about util is when I am going to app. Just let everything post and update. Its ALL GOOD!!!

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+!

I was recently approved for BCP, FNBO & Simplicity with util >50%. ( Iknow, I know - but that was down from 75% a few months prior.)

Although 40% is not ideal, it's really not that bad. Cheer up, LS!