<prompt> Human: So Im a student and just got a line of 750 from Discover. Originally I was planning on using it like my debit card and paying it off every month to build credit, but Ive read some things about keeping your usage under a certain percentage Im just gonna go with 30 because anything else is too little. Already I have a school statement for 260 and I was wondering if putting it on the card and immediately paying it off would be bad for my credit or even worth it for the cashback bonus or not.  <response>: Utilization has no memory, so its not something you need to worry about on a month-to-month basis. Simply adjust your utilization to be 10 by either spending less or by paying your balance down before your statement generates in the month or two before applying for new credit.In general, just use your card for normal purchases that youve budgeted for and could afford to pay for with cash or debit at that moment. Pay your statement balance in full every month by the due date. No need to make it more complicated than that. 