Re: Well at least I tried :)
10-06-2012 08:56 AM
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!!!
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!
FICO: 07/2013 - TU 773 | EQ 753 | EX 746
Lowes 10,000 | LOC 9300 | Amex BCP 6000 | FNBO 5650 | Sallie Mae/Barclays World MC 5000 | Chase CSP 5000 | Citi Simplicity 4000 | Achieva CU 4000 | Discover 3000 | Sam's Club 3000 | Sears 800