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keeping a small balance shouldn't be a problem either, as long as it is small, but remember that if you never reduce it, it looks like your income is maxed out and you don't have room for any more payments, regardless of what your income/potential credit ratio is. also, you are pating interest for no good reason. you pay off your card every month -no fees, no interest.
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The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
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