I have $55,000 worth of credit on my 3 credit cards, I carry a zero balance as I pay it off every month. I've got money in savings too, but because I don't have a mortgage and I no longer have a car loan because I paid that off too, they dropped my credit score by about 10 points. I'm still over 800, but it bugs me. I'm the lowest risk borrower there is! They like mess with me because their rewards cards pay me money and I don't pay any interest because all cards are paid in full monthly. I think that's a bunch of crap. I'm the best kind of customer any lender would want because my name and my honor is based on it. It's the old European way in which I was raised.
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