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After my BT is paid off I will use the card once every six months and pay it off as a non-revolver (this will aid me in my goal of attaining an 800 FICO score. Ultimately I'd like to shoot for 850).

I have to agree with the question of why?

An 850 FICO score requires a perfect mix of credit. It will require effort and money. You can have a FICO that obtains the best credit rates without paying interest. Pursuit of 800+ won't be easy, free or provide any benefit but bragging rites.

Once you have a credit score in the mid 700's, what is the value of pursuing increasing it?

I have come to terms with the fact that my husband's FICO is slightly higher than mine and that any effort to increase my FICO score is pointless. When we married, he had been sloppy with his use of credit. Nothing serious, but he had hurt his credit history.

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