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Message: [QUOTE="DaveHuskiesFan, post: 5283547, member: 935"] Not really, it’s a common misconception. The biggest part of your credit score is on time payments (35%) and utilization (40%). The more credit you have available, the lower the utilization. I actually just got my credit pulled for a mortgage application and it was >800. The Chase points you have are definitely enough to get you flights to and from Namibia or Jordan if that’s where you want to go and potentially some hotels as well. Though hotel options are limited with points, but as an example, the Grand Hyatt in Amman is 5,000 Hyatt points a night for a standard room and 8,000 points for a suite, you can transfer Chase points to Hyatt. The standard room is $150/nt and the Suite is $280/nt. So you’re getting 3 cents of value for every point on the standard room and 3.5 cents on the Suite. Can do similar with the Hyatt Regency in Aqaba Ayla. [/QUOTE]