I wonder sometimes if the companies would see the value in a cardholder racking up a large purchase and paying it down in a gradual, but more than the minimum payment, way. Or in other words, using credit as credit.
An anecdote that I relayed in another thread but is relevant here:
My brother racked up 10k on his Amex when he was between jobs for a few months. He paid the amount off at maybe 4x the minimum payment each month until it was gone. This took him about 18 months. 8 months into it Amex let him know that they lowered his interest and raised his limit by 5k. He had never asked for these things.
Starting Score: TU 610 EQ FICO 635