<prompt> Human: Im very new to credit cards and as a result doing a lot of reading on how to use them properly and how to increase my credit I dont have bad credit, I just want to get it high early and thats the main reason I even got a credit card.So Ive had a credit card for about a month. I was given a student card by my bank with a limit of 1000. This month I spent about 850 and paid it off in full on time.However, Ive been reading on articles such as this one number 4 that its not good to use most of your available credit.So what should I do here? Im not blowing the money by any means, I just have rather high expenses.Should I spent say 300 or less on my credit card, then switch back to my debit? This seems odd as I got a credit card to use primarily in order to build credit... Should I ask for more credit? Ive only had a card for a bit over a month... Should I just keep spending as is?Bonus question: I know I have a grace period at the end of every cycle where I have to pay my bill off. Does it matter when I pay within this cycle? Should I pay before it even comes, as some websites indicate so when the bill goes to the credit bureau it shows with no balance?  <response>: You can pay down your credit card before your statement date if you want to, but the most important factor is making sure you dont carry a balance cycle to cycle. The most important factor, by far, is making payments on time. 