<prompt> Human: So I am 18 years old and just got a credit card so that I could start building myself a line of credit. I have a debit card with a large amount on it so paying off my credit bill would never be an issue. My card credit limit is 250 which I know is pretty low but they said that I could apply for a larger limit in 6 months. My question is that I recently purchased about 150 dollars worth of goods and got a notice that I had used a large amount of credit, which could potentially harm my score even if paid off in full. So what would be the best way to create the greatest credit score? Only use 20-30 of 250?How much does credit utilization hurt your score?  <response>: As long as you pay your balance off in full every month you will be fine. You can also make payments throughout the month, but worrying about utilization is pointless. 