tag:blogger.com,1999:blog-26277603.post-9531548762283848112007-06-15T00:47:00.000-05:002007-06-15T00:47:00.000-05:00Gary, too often have I seen people say that someone is "stupid" for using credit cards. That's what I was referring to when I talked about bashing.<BR/><BR/>And, are you saying that without a doubt, even though one's utility bills are NOT shown on one's credit report (which would IMPLY to me tha they're not reported to the bureaus at all), they still contribute directly to one's FICO score?<BR/><BR/>Also, to James, please keep in mind that of the 58% that DO NOT pay in full also comprise of people who are BENEFITTING by not paying that debt, for example, those engaging in credit card arbitrage, and those who have their balance on a 0% APR card.Richardhttp://www.blogger.com/profile/13270864469032089756noreply@blogger.com