Originally Posted by Dweezel

Yeah there are a lot of factors. For what you are talking about, if you pay the balance in full every month your credit score should show 0 every month (for a zero balance) versus C which shows an account which is being paid on time. There are so many other factors that can increase or decrease your score. For example, total revolving credit limit and the proportion of that which is available is big. However, it is all a double edged sword because if you have one credit card for say, a $500 limit with a $400 balance; you show a low revolving credit balance, but also a low availability. If you have say, 5 cards all with $3000 limits and a $400 balance on one card, you get points for the proportion of your balance to available credit, but will then get hit for having so much available credit. Your credit score is such a tangled web.