@ credit champion

Thanks. Will try to do manual payments before closing date and leave some part left for reporting to build my credit history. No balance no reporting I guess. Curious to see if this will get my scores higher.  Major negative point for me is no installment account but only recurrent accounts. Credit cards only and no mortgage or loan of course as out of country resident.  Thanks for the tip.

cheers

score EQ 782 (Fico) on 04/12/2013 - EQ 738 (Fico as of today) - last app 03/14 - goal CSP in 2014

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