BINGO! (Except this time I won a bag of lemons!) 3 out of 6 of my cards have a balance...one larger than I'd like but the other two small. What a crappy reason to drastically lower one's credit score. I don't want to play this game anymore...it's too depressing.
Accounts with balances is a funny thing-
it seems I get hit with the when either:
more the 50% of my accounts have a balance