And that means that they, in turn, could be a credit risk. Which is what was being talked about. Although it has to be said a running balance is not actually a

And that means that they, in turn, could be a credit risk. Which is what was being talked about. Although it has to be said a running balance is not actually a direct credit risk. It doesn't make financial sense, as you're racking up interest fees, but if you are safely managing your payments (no late ones) and your credit usage (a percentage of what your total available credit lines are) then it's not a bad thing for your credit score. Not that I would recommend it of course.