<prompt> Human: A couple times a year Ill get a notification from mint that Im using 30 of my credit and this is bad. All that means is have more than 3,000 on my and my wifes only credit card. That card has a 10K limit. We have no other debt of any kind.Is this something that is a big deal? It happens if we purchase a new bicycle or a vacation or something along those lines.EDIT: We pay off the card 100 every month.  <response>: It doesnt matter except for the month or two before you apply for a loan. Utilization has no memory. Using 30 before you apply for something will help boost your score a few point, but it wont make a huge difference. 