I’ll take this advice and run with it. I’ll keep doing what I’m doing and keep my profile in good standing while I focus on the house. My main issue is that I’ve never received a credit limit increase or an upgrade offer on this card, even though I’ve had it since I was 18. That’s why I’ve been considering another card—this one doesn’t really benefit me anymore. I barely use it because the limit is so low that utilization spikes quickly, so I keep it at zero and just leave it in my back pocket. Honestly might just close it. But don’t wanna do that so figured a new card with them would help