<prompt> Human: I was just wondering what happens... Does your credit score get docked? Thanks!Assistant: Your credit score drops a bit. Fortunately, utilization has no memory. Pay it off, and the next month your score bounces back. Utilization is like alcohol. A daily beer is no big deal. An occasional bender is no big deal. Unless youre drinkingmaxing that card constantly, youre doing just fine. Human: Do you then have to go 6 months of only using 30 then to get a higher score? This is assuming that you then paid and bounced back.  <response>: Dont over think credit building. Use your cards to pay for regular expenses, pay your balance in full every month. Rinse, repeat. Your score will grow. Dont freak out over Ive got to use exactly 19.3 of my available credit, spread across 4 cards, every other Tuesday type formulas. The websites that pitch all that kind of stuff CreditKarm included make money getting you to sign up foruse credit cards. 