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Easy way to figure out you charge rate is it is .1 amps per 100mah so .1 x 1300= 1.3 amp charge rate, since you were charging at a higher rate it probably hit the peak voltage before it was at full capacity, as for balancing I balance mine as they charge only because just because I have a balancer that plugs into the balance tap and balances while the pack charges. But like Lloyd said it does not have to be done every time you charge.