<prompt> Human: I have a VISA credit card from GAP that I only use occasionally when I make a purchase at the store. Is it bad for my credit to have this card and not use it every month?  <response>: No. Lower utilization is actually good for your credit score.In general, treat your credit card like cash, make your payments on time and in full, and dont worry about your credit score. People have problems when they do stupid things like miss payments or max out their cards. 