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nancykitty wrote:
My maximum credit lines vary from $3500-$5500 on three credit cards. I typically use my cards instead of cash for convenience. While my balances tend to hit 50-75% of my maximum credit lines, I always pay off the balances in full each month. It seems that my credit is adversely affected because I come close to my maximum. Doesn't the fact that I pay my balance in full each month count? Is this reflected in my score? Should I use my credit cards less and just use my debit card?