<prompt> Human: I just got a Capitol One Secured Mastercard with 24.99 variable APR and a 350 limit.I was dumb when I was 18 and didnt pay my line of credit from my bank until it went to collections.Im 22 now, have a great job starting around 50k a year.Im extremely ignorant. My current plan is to spend 100 a month on the card and just pay it on time. Is there a better way too maximize the improvement of my score?Thank you!  <response>: Positive payment history will go a long, long way in improving your credit. Just pay it off in full on time every month. 