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Vu wrote:My Equifax score just jumped to 707. Tried out USAA American Express cash back card. This is what I've got after 15 seconds of silent.Approved Credit Limit: $15,000.00 Purchase APR: 11.15%(Prime+2.9%) Cash Advance and Balance Transfer APR: 11.15%(Prime+2.9%)Yessssssssssssssssssssss. So happy.Low utilization ratio lifts my score about 83 points from 624 to 707.