If your credit cards have persistently high balances, your creditors may take this as a sign that you have uncontrollable debt.
This may even affect your credit rating, even if you aren’t in debt. On the flip side, if your savings accounts have persistently low balances and you aren’t putting any money away at the end of each month, the chances are that there’s either a problem or that you aren’t managing your finances efficiently. If you think that you have a problem with your spending, make sure you seek independent advice as soon as possible.