A personal loan can also improve your credit if you have high card balances in comparison to your credit limits. (consolidate.loan)
It tries to explain the counting technique, with high cards representing a +1, medium cards neutral and low cards a -1, but all this raises more questions than it answers. (combustiblecelluloid.com)
However, it should be noted that higher card debt can be a result of many factors, and it isn't necessarily caused by rewards. (valuepenguin.com)