<prompt> Human: For example, lets say my utilization is at 80 on the day the credit card company reports to the credit bureaus from what Ive read you generally dont want to go over 30, I then get paid a couple days later and pay off my entire balance before the due date Due date is roughly two weeks after reporting day. Is this a net positive or negative on a credit score?  <response>: Negative. It looks like you are using all your credit, which is a bad sign.I realize it makes no sense, but thats how they do it. 