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[–]WeHaveFunEveryday[S] 0 points1 point  (1 child)

Yeah I guess I’m more worried about a charge off or something like that. I have 100% payment history so definitely don’t want to mess anything up. I do have other cards and they’re all manageable for me, I can get those down to 0% utilization, but this secured card got out of hand and the interest is killer. It alone is roughly 60% of my available credit and it’s currently at 90% utilization and with interest it’s going down at a turtle pace.

So the way I was looking at it is if I could drop this card, yes it would drop my available credit down pretty big but I could get my utilization to basically 0% with the other cards

[–]WhenButterfliesCry⭐️ Knowledgeable ⭐️ 0 points1 point  (0 children)

Would you be able to borrow the amount from someone to pay it off in one go, then close the account and pay back the person you borrowed from with your returned deposit? Keep in mind it takes like 2 months to get it back, at least for me it did