The other issue is not scoring related but has to do with how much you're spending on finance fees by hanging on to the debt, especially if you only pay the minimum. (creditcards.com)
The study also found that consumers who used their credit cards in this way were more likely to have greater debt and to have paid more in finance fees. (creditcards.com)
Not only are you paying the monthly finances charges on your card but you are incurring high finance fees for the payday loan. (think-creditcards.com)