ah the more you use credit, Dave, the more crap you get in the mail.
so if you use your card a lot but always pay it off you can appear to be carrying a balance of 2-3K.
banks then love you.


if you pay cash or check usually and only carry a credit card for emergencies, then, in their eyes, you don't exist.

 

Banks don't like us. We only use one card, generally < $1k monthly bill, and always pay it off.