This card has a balance of about $ 2900 of $ 6000 in credit line from usaa. My util is under 10% now and my scores are high I could pay it to zero and closing dates for it r next week but…. I would then have to wait to go on an app spree that I want to do? Suggestions? I don’t know that I want to wait much longer but if my score goes above 800 cause this card is close to 50% in balance, only one other card currently has a low balance reporting too.