<prompt> Human: Heres the problem. As Im watching the tips from credit karma, its saying to utilize around 30 of my total credit line. I use my credit card a lot, but I will pay it back within a couple days every time. Ive had it for about 4 months now, and always pay it off before the statement even comes. Should I instead only be using around 50month with it, and waiting for the statement to make a payment? Should I get another prepaid credit card and just split charges between cards and pay them off when I get my statement?By prepaid credit card I mean a secured card and my limit is only 200. So a 100 charge on my credit card means Im now utilizing 50 of my total credit.  <response>: One important piece of info is that your utilization doesnt linger the way that other factors do. Your credit score only factors in the most recent months utilization ratio, so if you are preparing to apply for a loan or another card, just make sure your utilization is below 30 for a month or two beforehand, and youll be fine. 