Thanks for the advice tmr. I will pay it all off at once.
@ Newbie...I know vantagescore is looked down on by FICO users, but as of today, my vantagescore and FICO scores are all the same, or just 1 point difference. 582 (TU), 581 (EX) from myFICO dashboard (they went up slightly today). Vantagescore: 583 (TU), 581 (EQ).
My new $900 secured credit card made my fico scores go up a tiny bit, the same card that made my fico scores go up 10 points and 6 points respectively today, made my vantagescores go up exactly only 1 point today. So fico 8 is actually grading me a little more better than vscore.
A little insignificant update I got on March 1st:
Starting FICO 8 scores: 557 (EQ), 572 (TU), and 575 (EX)
Now: 566 (EQ), 602 (TU), 591(EX).
+9 points, +30 points, +16 points.
EQ has always been my toughest grader so I expect to always see it behind TU and EX. I've not made any payment on my $999.90 balance on my Cap1 card, this raise in FICO scores is just an increase of $900 on my credit limit for getting a new secured card from First Progress, that I guess lowered my utilization.
Thanks. I will eventually. I got a settlement offer earlier today to pay $500 something. Not sure if I should pay in full or pay the settlement. What do you think?