<prompt> Human: Mostly in the title. I have a buddy who has a finance degree and I mentioned that we were going to use a credit card to make additional monthly student loan payments and then immediately pay them off since we get cash back on the credit card. He said that is a bad idea because using more than 35 of the balance can hurt your credit, even when paying it off each month. This was rather concerning as Ive been doing this since I got a rewards card. I use it for all purchases but pay it monthly.  <response>: my 790 credit score says no, it will not. 