<prompt> Human: So right now Im using a Wells Fargo credit card and have 3000 to pay off the total amount theyd let me use is 3500. I make every payment monthly, sometimes minimum, sometimes more. Now Im working full time and can easily pay it off in a month or two, but reading up on credit score and utilization and stuff, should I pay it off entirely? I read that less than 30 utilization is good so should I just pay it off until I have like 25 utilization? Or is it better for my credit score that I pay all of it off so they know I can? Also, how negatively would my credit score have been affected for having high utilization but not paying it all off while still being on time for all my monthly payments?  <response>: Pay it off entirely.Utilization works in the following manner: the lower, the better. FICO representatives have come out and clearly stated this.Your past utilization will also not affect your current score.After youre done, keep your balance at 0 for one more month so that you can get your grace period back. If youre going to use the card after this point, always pay your statement balance in full every month.More info in the credit score Wiki. Cheers and good luck! 