@Sexie there is ZERO wrong with getting and managing a Credit 1 properly as part of your rebuilding project
I just point out that some lenders one has to be very mindful of how they use things because, vendors are fee happy and have reputations for being whom they are....does NOT mean one can't do business with them and be fine.
No different than some airlines are fee happy, charging for some things one might not be used to...
Can you still fly that airline and make it home safely, of course.... just count your fingers and toes once you land😎
Seriously, if an airlines I do NOT prefer is the only one available at the time slot I need I'll use 'em I just won't even ask for an ice cube because I know they harvest fees and I want zero surprises
IMO Credit One same treatment, as you mentioned very little usage, plenty of time for posting and the account will serve it's purpose....
It's a nice weekend in Napa but Credit 1 doesn't come home for Thanksgiving and you darn sure don't put a ring on it.