<prompt> Human: Hey PF! Ive been lurking in the subreddit for a while picking up tips, and I saw people suggesting to stay under 10 of your allotted credit. I just got a credit card and my limit is low enough that 10 is only 75mo. Why should I keep sticking to that limit instead of using my card more for expenses that I already have to get more rewards? I can definitely afford to pay it off in full even then.  <response>: The most important thing is that you pay off your balance in full each month. Credit utilization has no history and can be tweaked for a minor bump in credit score a couple of months before a major purchase using credit like a house or car. 