<prompt> Human: Im an 18 year old student in the UK. A few months ago I got a credit card with a hideous interest rate, but that doesnt matter because it gets paid off in full every month via Direct Debit. My credit limit is a meagre 250 and Im spending on average 45 a month with it 18 utilisation. Im considering increasing the amount I use it, to above the magical 30 limit that the American users of this sub would never dare cross. I dont know much about how credit scores are different UKUS; would doing this hurt my credit score?  <response>: People make way to much of a deal about utilization. I cant speak to the UK may want to try rUKPersonalFinance but the fact of the matter is, in the US there is no history to utilization. So it only matters when applying for new lines of credit. 