<prompt> Human: I have five credit cards with limits of 300-2000. I dont currently need to use them for any necessary expenses. I know that using them some is better for my credit than leaving them at 0 balance, and I know that using them only some is better than maxing them out and paying them off every month. Where are the magic numbers in between? Should I be spending X on the first of every month and immediately paying? Spending X and letting the balance sit for 29 days before paying? Maintaining a balance of Y? Something else?  <response>: Pay your bills in full and ignore utilization. Its a temporary measure that holds no history. Down 20 points this month for high utilization? Doesnt matter, pay it off in full and then check again, the ding for high utilization disappears.Configure your card to automatically pay the full statement balance via ACH from your bank using AutoPay. A balance gets reported to credit bureaus, and you pay on time, so they see that youre making payments and are not delinquent. 