I asked the same question, because if you do that (and I do it also) and run your credit report it appears like you have credit card debt, when you don’t really. Because at the moment they checked you did!
how do they differentiate between those who carry balances and those who pay it off at the end of the month in full?
Because my credit score implies I carry my balance when in actuality I pay it off in full and then charge a ton more the next month. So at any given moment, I appear to have a large credit card debit when in actuality I just use the card to get points and cash back.