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Does the open balance on my Credit Card affect my score?
It seems like my open balances negatively affect my score, but I don't see why it should. I probably have a relatively high monthly usage as compared to the average person since I pay pay for everything I can on my credit cards. That said, I have never failed to pay of the monthly amount in full (despite this, Credit Karma seems to try to offer me savings that make no sense since I carry no monthly balance from month to month). Anyone else experience this - or perhaps i am just misunderstanding how things work?

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