I HAD THIS PLATINUM SELECT MC FOR ONLY 2 MONTHS AND MY CK SCORE AND TRANSUNION SCORE HAD GONE UP FROM 550 TO 650. ORIGINALLY PLACED A $500 SECURITY DEPOSIT. AND ONLY USE IT TO PAY MY COMCAST CABLE BILL AND CELL PHONE BILL WHICH EQUAL TO ABOUT $150, THE 30% UTILIZATION RATE ($500 X 30% = $150).  ALSO, I HAVE  A SEPARATE CREDIT UNION BANK AND THERE I SET UP BILL PAY, SO THAT THE PAYMENT GETS DEDUCTED FROM MY BANK ACCOUNT AND ITS A CONVENIENT WAY TO PAY THIS CREDIT CARD BILL...AND IT GETS POSTED WITHIN 2 BUSINESS DAYS...NO NEED TO MAIL MY PAYMENT TO COLUMBUS, GA...THE EASY WAY TO PAY THE BILL IS THROUGH BILL PAY AND KEEP AN EYE YOUR BANK ONLINE STATEMENT DAILY OR EVERY 2 DAYS UNTIL YOUR PAYMENT HAS BEEN POSTED. ALSO, I PAY THE BALANCE IN FULL..DONT LEAVE AN OUTSTANDING $ DOLLAR AMOUNT OR CENTS IN YOUR CREDIT CARD BALANCE, SO YOU DONT GET SCREWED..

JUST PAY THEM OFF WHATEVER THE TOTAL AMOUNT IN YOUR BILL....PAYING THE BALANCE IN FULL MADE LIFE EASIER FOR ME, NO CONFUSION, NO NEED TO WORRY ABOUT INTEREST RATE AND IT LOOKS GOOD WHEN FIRST PROGRESS MAKES REPORT TO THE CREDIT BUREAU EACH MONTH (USUALLY IN THE 22ND OF THE MONTH IN MY CASE). THE CUSTOMER SERVICE NEEDS IMPROVEMENT, BUT THE BEST TIME TO CALL THEM IS AROUND 10 AM (DURING YOUR MORNING BREAK IF YOU ARE WORKING LIKE ME).

ALL IN ALL, I'M SATISFIED HOW THIS CARD WORKS AND HOW I USED IT..I UTILIZED IT WITH COMMON SENSE. I AM TRYING TO EARN THE TRUST OF THE LENDERS, SO THAT MY CREDIT SCORE IS HIGH ENOUGH WHERE I CAN TAKE OUT LOANS OR POSSIBLY LOOKING TO APPLY FOR BETTER CREDIT CARDS. MY GOAL IS TO REACH 700 SCORE IN 2 YEARS. GOOD LUCK, MY FRIENDS.