
It would, but I don’t think that data is available. AFAIK, the closest we have is “credit utilization”, but it’s misleading because someone who pays their credit card bills in full each month (and never owes interest) could have a similar “credit utilization” as someone who only pays the minimum amount and accrues a large amount of interest.





Sounds like fraud. As long as no one finds out you’d probably get away with it, but you would be committing tax evasion according to US laws.
If you really don’t want to go back you can get rid of your US citizenship and avoid the problem.