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21: Too many bankcard or revolving credit accounts with a balance.
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Carrying a balance on too many bankcards and revolving accounts is an indicator of increased risk. People who carry balances on multiple bankcards or revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
What you can do:
Pay down your existing balances, and then pay your balance in full each month as often as possible.
A HIGHER LEVEL OF CONFIDENCE
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