<prompt> Human: I recently got a credit card to help re-build my credit. My limit is only 300 and I know I should only use 30 of my limit. However, if I use said 30 and then pay it off within a few days of use, then use another 30 and pay it off again, to the point where Im using over 100 of my limit in the whole of the month. Is this a problem? Am I about to fuck up? Help?EDIT: First off, thanks for the replies. Secondly, the only reason I want to even do this is because it is a cash back card Capital One Venture and I want to take advantage of that.  <response>: credit utilization does not include past utilization, just the most recent amount whenever someone does a credit check. If you are applying for a loan or plan to in a few months just stop using the card for a billing cycle or 2 beforehand and your credit score will increase when its pulled. 