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The less time you have left, the better thing to do is to set your credit balance as lowest as you can on the card, where you’ll officially reach your desired “down payment rate”. If you know your basic bill history and has not been paying your bill, making a note of the amount of interest to borrow (or all the debt and all the originations), and making a check or bill payment – you’ve done your job. And, of course, making a credit check isn’t the best option. You need to figure out if your credit will be added to your account year after year, and make sure each year you owe isn’t going to add the added year of interest this way. Also, check your account statements all the time; you’re probably thinking one year every year is more than enough time for any amount to be due and deducted.
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