@peghede Hey ped, I think we found a new disciple for you
No more CLIs until that UTI goes "All The Way Down"!
You're looking to charge wisely, not get yourself into huge debt that gets away from you! You do know with 80% UTI, your credit score will not be going up anytime soon.
I recommend paying off all of those small credit card balances you have now. And don't touch those cards for the next 90 days.