- Centurion Member
- Posts: 312
- Joined: Tue Oct 16, 2012 11:20 pm
- Location: Miami, Cuba
It's great that you're paying all your cards in full, but what will really boost your FICO score would be to pay them in full BEFORE the statement closes. That way once it closes, the balance will be very low or even $0. That will take care of your utilization problem. Your friend taught you right...don't use the debit card.
Don't close the Cap1 account, as it is one of your oldest ones. Closing it would make your Average Age of Accounts drop (after 10 years)
As for the AmEx, I don't think they'll let you do a product change to a credit card. Just apply for a Blue Cash Preferred and have them backdate it.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Sallie Mae Rewards ($19K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($22K), Fidelity Investment Rewards ($18K)