<prompt> Human: I recently opened a secured credit card with Bank of America for 300. I figured the more I used it and paid it off each month the quicker Id increase my credit score. I recently got an email from mint that using more than 30 of my credit limit, even if paid full, can actually lower my credit score. How does this make any sense?  <response>: Just spend what you need to spend, and pay it off. Unless youre buying a house or car tomorrow, dont worry about it. 