I am using Credit Karma to check my credit scores a couple times a month and right there on my main profile page is a section toward the bottom called "overall credit card utilization." This section is showing that I have open credit card debt of $249 with a limit of $3000. This isn't damaging my credit in any way. If anything it is probably helping my score. My concern is that I literally do not have any credit cards and thus have no idea what this is. Can someone help me figure this out or put me in contact with someone who can help? TIA