PIF or wait?

[Revelate]

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@Anonymous wrote:

PM sent!

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Thanks!  Interesting comment regarding rebucketing on a pattern of utilization, something I'll try playing with in the future though when I'm relaxing in clean scorecards.

[Anonymous]

Saw your comment, too -- I definitely wonder what all goes into a rebucketing at high scores and if it's one of those things that might only occur for one month if you forget to PIF before statement cut.

I can see month 1 rebucketing and then month 2 confirming the low utilization (same bucket) and month 3 rebucketing to the clean profile, maybe?

Would be interesting to see what would happen and for how long.

[jason0618]

I'd be under 30% total. That particular card would be well over 50%. I've decided to just pay the $1000 I had saved for the mower, and put another $1000 to pay it off in a week or so. No muss, no fuss. By paying $1000 now, it'll also make it report significantly lower util, as well.