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so now when you say it's good to carry little "outstanding unsecured credit "debt".. by "debt" do you mean any balance at all, or a balance that was unpaid and interest is now being collected on it?
if you mean ANY balance, then does that mean i should keep them as low as possible, for example a pack of gum on each credit card (just so there's SOME balance to pay off), and nothing else (thus only using 50 cents out of a $5k card)? i think that's what trips me up. it's bad to have zero use, and it's bad to have more than 50%, so i'm trying to find that happy medium point i should stay at.
i also have a student loan i'm paying off at the moment (which i'll be consolidating this month) if that means anything
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