Well, it's no big surprise Credit Card companies love people who keep a balance. I mean if no one had a balance, the companies wouldnt be in business. Seems those who pay off their balance in full every month are the enemy. The question is have you ever been dumped by your credit card company for paying in full monthly? I know two people this has happened too. They got a letter about how their business wasnt needed any longer or something like that. This doesnt affect your credit in a negative way, does it? Does it show up as they dumped you (which doesnt look good) on your credit report?