<prompt> Human: How can I stop this from happening? It doesnt seem fair that they do this. It keeps my score low by keeping my utilization percentage high. Its a conflict of interest, IMO because the financial institutions benefit from keeping my score low like this. I owe a total of 40K on credit cards, paying them down at a rate of around 4kmonth.  <response>: Good on u for paying them downoff. If nothing else, this teaches us these companies are not our friends. 