Credit Card Balance/Credit Score
I have a credit card (balance limit $3200) that I regularly charge $600/month to on average (range $400-900). I always pay the statement balance in full, and have never been late or missed a payment, so I never pay a finance charge. Do the credit score calculations just take into account the monthly statement balance and late payments or do they look at your finance charges and if you just make minimum payments as well?
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