<prompt> Human: My parents got a credit card in my name about 4 years ago. They said to use it just for gas and pay it off at the end of the month to build credit. At the time my thought process was if you cant pay cash you cant afford it so I never used my credit card.Now four years later my job had a credit card workshop to discuss how to properly manage and build credit. I went home after the workshop and looked on Credit Karma to see my Credit Score expecting it to be very low. However, I was given 2 scores one of 787 and one of 795. Apparently not having a balance and paying off a 0 balance every month has increased my score to almost 800.With that said, I started looking into the best way to increase my credit score to get it over the 800 mark so when I buy a house in a few years my Credit Score will be very good. Ive been purchasing everything on my credit card this last month first month Ive ever actually used it with auto pay set up so it will automatically pay off the entire balance at the end of every month. I thought this was good, however it seems to be the wrong move. Ive been reading that I am only supposed to utilize around 30 of my total credit limit. Im sitting at around 50-60.So my questions are: 1. Should I pay down my credit card to get me to 30 before this months cycle is over? Then have auto pay pay the 30 balance at the end of the month? 2. Whats the point of having a credit card if I can only use up to 30 without taking a credit score utilization hit? The benefits would hardly be worth using. 3. Why cant I just pay it all off and keep it at a 0 balance like Ive been doing as it seems to take care of itself by just having it open?  <response>: keep doing what you are doing...dont over think this 