Isn ' t the majority consensus that it ' s SM ? It follows the abbreviation patterns of literally every other generation before it <| sep |> If you want to get your percentage down , you want to increase your total credit limit . Might be better to get a new card as it will probably result in a larger increase per inquiry . Try American express blue cash for sure , not sure about others . They will let you do a increase request every six months to a year wothout a credit inquiry . <| sep |> I agree with what you say regarding the right to criticize and so forth . On the other hand , people who join the Bahai Faith or remain members do so voluntarily . As such , they voluntarily belong to an organization that delineates certain stipulations for membership , including refraining from criticism of the Administrative Order ' s decisions .