<prompt> Human: Hello all,I just recently got a Discover It card to build my credit score since I had no credit previously. I ended up with a 500 credit limit and have been paying my bill off each month. My question is does it affect my credit score by using all 500 of my credit limit even if I pay it off each month?Thanks!  <response>: Steps for building credit and good credit practices with a credit card: Buy something on credit card less than 30 of limit Wait for statement Pay statement balance in full by due date Repeat monthly 