<prompt> Human: Im 28 years old. I recently got my first credit card in 10 years. As a teen my financial habits were bad to say the least. As a result I was only approved for a card with a 500 limit. The card has rewards although not much so I try to use it for the majority of my purchases. However I spend more than 500 a month and I know I shouldnt approach the limit to close anyway so Ive been paying the balance off every couple of weeks. Is this good or bad? My long term goal obviously is to rebuild my bad credit and get a better card with a better rewards system. For the time being though Im just using it for most of my purchases and carrying no balance. Advice?  <response>: Its good. The number of payments wont hurt your score, whereas having your card maxed out will. Anecdotal evidence: I pay my card 2-3 times a month and my score has never suffered because of it.Like others said, once youve had this card for a good 6 months or so, you should apply for a credit limit increase. 