<prompt> Human: Im currently a junior in college and applied for my first credit card this summer, a Capital One Journey card. I got approved in August with a credit limit of 1,000.Ive only had the card for a couple of months, but Ive been charging 400-600 a month on it. I have payed it off in full and on time every month. I wouldnt normally be spending this much, but Ive been doing a semester abroad since the end of August, and the cost of living plus the conversion rate to pounds has made living in London pretty expensive. Im also trying to make the most of my time here, so there has been a little extra spending. Once I get back home to the states in mid December, Ill go back to being more frugal.I dont have any concerns with affording what Ive been buying as I saved up money the past couple of years preparing for 4 months in an incredibly expensive city with no income. My concern is how Im charging the money. Most people seem to advise keeping spending at 10-30 of your credit limit, which Im clearly breaking. How big of a problem is this going to be for me?Also, Im asking because I want to keep the rest of my time here smart. Im planning one more trip for while Im in Europe, and already have just over 100 charged to my card. Should I stop using my CC and just use my debit card?  <response>: Its not a big deal. Pay off your bills in full every month to avoid being charged interest. As long as you are only spending what you can afford to pay off in full, you are not using too much credit on your card. 