<prompt> Human: I am trying to rebuild my credit so I have a secured 1000 limit credit card. I was given advice to just use the card every month for everything and just pay off the full balance every month. Which I have been doing. So basically, using the card pretty much maxes it out every month, but I still pay it off in full on time before the bill is due.Now I am hearing that this doesnt matter and I should not be using the card for more than 10 percent of purchases, but still paying it off in full.Is that correct? Should I just buy a stick of gum and not use the card anymore and just pay off the gum every month?  <response>: Dont obsess over your score to this degree. Just use the card and pay it as you have been. 