How much of a balance do you normally have? Reason i ask is that I read that the average American has between 3-5 thousand in credit balance. Also, is your balance on just one card or several? I have one card with a balance of $1500 (i just moved into a house & had furniture & moving expenses) My dads wife (i refuse to call her my step-MOM) is always complaining that i have to much $ on credit. She lived in squaller before she met my dad....."she is funny.........like a heart attack" P.s i usually pay my balances of as soon as possible. So far i payed over 5 grand in 10 months.