<prompt> Human: Im 21 and have been graduated from college and working a full time job for about 6 months now. I had a couple of large medical bills that Ive been working to pay off each month, but now that theyre almost paid Im going to start paying down my credit card. I only have one credit card with close to 2,000 my credit limit on it so my percentage of utilization is super high. Once I start paying my CC down, whats a good percentage of utilization to keep it at? Does it look bad if I have hardly any balance on the card? Im speaking in terms of what looks goodbad on your credit report.  <response>: Unless you are actively applying for a loan, utilization doesnt matter. There is no history to utilization. When someone pulls your credit report and calculates a score, all they will see is your CURRENT based on the last statements of all your credit accounts utilization. So, it is completely fine to have 0 utilization or 99 utilization. As long as the month before you apply for a loan you get it to 1-9 not sure if this is the best, but it is what I see people say all the time, then you should be fine. 