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Hi. Both have been over 85% for years and I'm finally getting around to paying everything off. Will have the funds to pay one of these down sooner rather than later but I want to choose the one that will most likely give me some love back.
I want to make sure I pay down the better option and move a little usage to show activity.
Cap one card 6yr 9m old. Don't think it ever got an increase.
Target 5yr 7m. One auto increase the first year i had it.





















Target. Both are throwing darts in wind but with Cap One they want heavy spend, maxed out card isnt going to open any cli doors wheras Target is as random as Discover but tgeir suprise cli can be like hitting Mega Millions![]()
Unless your goal is to pay less, you could split them and have both lenders happier at your current utilization. There's still a chance they could respond well. Otherwise, like @AverageJoesCredit said, Target seems to make more sense.
@AverageJoesCredit @SecretAzure
Thanks for the responses!! I think I'll take the chance and pay off Target.





















@collics wrote:@AverageJoesCredit @SecretAzure
Thanks for the responses!! I think I'll take the chance and pay off Target.
You're welcome. Plus everyone seems to like to play Targets MC game lol. Like MM, it CAN happen😄