Its how i found out about some bank charge back that is one of my 4 dings.
Everything is paid, and yesterday applying to cards i got my credit dinged 4 more points.
I find it hilarious, under my score it says its low because I have no credit cards. Then dings my credit when applying to cards.
It will all work out in the long run. But as someone who has held zero debt for 4 years, and save a massive percentage of my income every month, its just irritating that I can barely get a 300 dollar limit.