Great!

1% util is kinda neat, isnt it?

I bought a $5 footlong at Subway when I got my card....

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Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 681|EX FAKO 676|Vantage 684 as of June 10, 2013
Goal Score: 750-800 across the board

Take the FICO Fitness Challenge

Congrats..I love them when they're all shiny and new I used my newest (monday) to charge a $20 monthly payment for Sea World annual passes..and that's the ONLY thing it'll ever be used for, so it'll always report a super low balance

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Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Indiv cards, used properly, can give a double-beneifit. 

FICO scores both overall util and indiv util, so one card can help in the individ acct scoring sub-category.

Also, by getting the balance to $0 at reporting time, it improves your % cards reporting a balance.

Glad to read. A friend of mine just told me his credit card he opened 2 months ago is now reporting over the limit, and the company is closing his card. smh

My current fiance, prior to use dating, got a $500 dollar Chase Freedom card and it was promptly over the limit in 30 days.. haha

-scott

I charged $1.75 per day for my morning cup of caffeine at Tim Hortons for one week.  I felt like I had been on a shopping spree .  

What maturity and living life in the 500's for a while can do for ya.

Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
Current Scores: EX 719 (Lender pull), TU 670 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 6/7/2013

I always just max out a new card, go 90% to 95% of CL, but then a few days later it's paid off.

I prefer the new cards to show zero balances with a MAX used almost the full line, the ability to borrow and pay back is IMO way more important than not using CL's.

You max and pay it off for something you were going to buy, you get bonus points if its a good card and in a short time you can double and or quadruple the CL by having maxed it and paid it off.

I know the pack says don't use or use very little, I say, max it and up the CL in a short time and when you apply 6 or 8 months down the road for a new card they see your low CL card is now a high CL card and you have had high balances that were PAID OFF, use if the key to credit, how to build it fast and how to get huge lines at low rates.