I recently made a $5000 purchase and took advantage of six months no-interest PPC, but they set the credit limit at $5400 so credit utilization gets reported (or interpreted by Transunion) as over 90%. My 800+ credit score dropped 48 points overnight, for something that I could have just put on my regular CC and paid off next month ... so zero extra risk as a borrower ... I asked PPC for a credit line increase and was denied (probably because they had just upped it to $5400 arbitrarily. Trying to ask Transunion about their reaction too but that's like talking to a brick wall. Why does PPC do things to cause such a high credit utilization ratio?????
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