Credit scoring reports are determined based on several different factors and your credit card balance is one such factor. Factors such as late payments, too many credit inquiries, defaults on repayments, bankruptcy etc; all influence your credit score. To build good credit and a high credit score it is important to keep all these factors in check. While the balance of your credit card accounts do impact your credit rating, if all the other factors are fine, your credit scoring report will not be heavily impacted by your credit card balance.