<prompt> Human: I worked hard on my credit over the last year, and Capital One just upgraded me to a 1.5 cash back card. Im tempted to use this card now over my primary bank card, but Im worried utilization is going to drive my credit back down credit card companies incentivize and openly encourage you to use your credit card for everything, then punish you for doing so?. Anyway, what methods do you use to get the most out of your cash-back feature while keeping your utilization rates down? Thanks.  <response>: Anyway, what methods do you use to get the most out of your cash-back feature while keeping your utilization rates down? Easy. I dont micromanage my credit score, so I dont care what my utilization is on a month-to-month basis. Couldnt even tell you what it is now. 