I was planning a larger purchase and decided to use my cc instead of opening another line of credit. It hurt my score because it made my utilization crazy high. I knew that would happen and I knew I would need to carry a balance for only a couple of months. I’m paying some interest but the rewards mostly cover it. I pay no problem, I appreciated the simplicity of using the card. They reported the usage immediately but it’s paid off as planned for nearly 3 months and the paid balance has not been reported. Meanwhile interest is going up and this is causing other negative changes in my credit/credit worthiness. I feel like that’s on purpose, they themselves raised my interest rate due to sub prime but earlier in the last couple years when it lowered and many received a better apr I didn’t. I use the card a lot, I’ve never missed a payment and before this fiasco my score was in the 780 range. My apr is 22%. I feel unvalued. Is it a good plan to wait till they report and my score goes back up and apply for a better card? Would you not wait and look for a card now? Afterwards would you close the account or just keep it and not use it? Thanks y’all