21: Too many bankcards with a high balance
Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Carrying a balance on too many bankcards and revolving accounts is an indicator of increased risk. People who carry balances on multiple bankcards or revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Keep low balances on your accounts; this will benefit your score.