<prompt> Human: A bit of background: Because of student loans and not paying them on time, and a history that is not very extensive, I have a credit score of right around 600 depending on what bureau you look at. I am in the process of building my credit and all my loans are up to date. I have a Capital One Platinum credit card and was wondering if I should be using the credit card for every day purchases and then paying it off immediately. Is this detrimental in any way?Edit: Wow! Thanks for all the great advice. Ive been lurking this sub for a long time and am amazed at what a great community it is.  <response>: As long as youre paying your statement in full it doesnt matter if you pay it after every purchase or just once the statement posts. Its generally recommended to keep your usage under 30 of your limit but if you go over that one month it wont have a lasting impact as long as you pay the statement balance in full. There are actually benefits to using a credit card over a debt card, but it is very easy to get yourself in trouble by spending too much so keep an eye on that. 