Thank you guys.
Yeah it is totally util that is keeping my score down - I have no "baddies". I didn't realize the importance of that trick until recently. My util on the Cap One card is, as we speak, 5%. So I'm going to keep it there or even maybe a little lower for a couple of months. Hopefully I can get a CLI but I know Cap One can be a bit tough with that.
Is there anyway to figure out when your cut off for reporting for the month is? Is it the same as the credit statement cycle?
SnackTrader & HiLine - this makes perfect sense.
And thanks for the guidelines everyone regarding what to app.
Nsisaat - that's good to know re Discover.
I'll be back to update......................
Got it thanks! Will keep you posted.
Cap One denied me a CLI when I called the EO. Boooooooo
I'm also going to have to wait until next month for my card to show a small balance. My balance is currently 0%, however, I'm renting a car this weekend and although it's prepaid I'm going to my Cap One as the "hold" card. So my balance will include the money that is held. I think this puts me about about 66% usage.
Oh and my reporting date for Cap One is 23rd June and I'm hiring the car on the 21st.