<prompt> Human: So when I turned 18 I had a lot of credit inquiries and now Im finally able to get a credit card my credit score was really high and now its suddenly gone to shit and idk what to do to fix it? Any tips at all would be amazing. Edit:I have a Kay Jewelers card at recommendation from my bosses friend, being young and told hed pay it off I thought itd be an amazing idea since Ive been struggling to even get a credit card and didnt know where to start he even offered to pay it off every month and just give me 35 to do it every month, right now its a 400 card and I owe 311 on it I just went and payed another 35 because I was so freaked out. Assistant: So to clarify you currently have a credit card?If so then keep utilization balance under 30 of max and pay it in full each month if you are able after the statement gets to you, but before interest sets in Human: I have 78 of one card use Ive been making payments on I was told to keep them at the minimum its just like a little kay jewelers card tough if I pay more it off would that fix this?  <response>: Who the hell told you to pay only the minimum? Thats very bad advice. Always pay AT LEAST the minimum, and the more the better. Ideally, you pay the balance in full every month. You do not want to pay interest in order to build credit. 