33: Not enough balance paid down over time on bankcards
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. They allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The amount that has been paid down on your open bankcard accounts is low. People who haven't paid down much of their bankcard balances are higher credit risk than people who have.
Whenever possible, pay down balances on your bankcard accounts. Over time this will have a positive impact on your score.