I was just looking through my Quickbooks transaction history. I got a new CAP1 $5k limit and started it with a BT of $4925 on 05/05/04. Paid on time every time and only minimums except for one month where I accidently paid the minimum twice. On 10/20/06, I did another BT for $1950 and kept paying only minimums all on time. 07/09/07 paid $1234.64 + $234.64, then paid only minimums till 06/06/08 where I PIF. On 07/29/08 I bought a motorcycle that used up 1/2 my limit, but PIF by due date. (this dropped my FICO 48 points but thats another story)
Has CAP ever given CLI on only BT without any purchases? I've called them and asked for one like 3 times over this time period and got told no each time. My credit is: 0 lates, 1 or 0 inq per year, about 25k available, utilization about 40%. I asked again about 3 weeks ago and got told no, my utilization at that time has dropped even more down under 35%.
A good FYI and I appreciate any comments on this. -Thanks
TransUnion/Equifax
746/754
Date: 9/24/2009/10/02/2009
