<prompt> Human: I am 22, with one year of grad school left. I have no debt, and 20,000 in savings. I just got my first credit card, a Wells Fargo Student Card with a 700 limit. However, I am unsure how often I should use it to best build my credit. I have seen on here people suggesting to spend 20-30 of your limit, but should you do that every month? My mom who has very good credit and is very financially responsible has told me I should only use it twice a year for a small nonessential purchase. So I am a bit unsure the best approach to take here.  <response>: I use mine almost for every purchase I make. With the points I get from the use, flights and hotels are usually free on vacations. As long as its paid in full, your credit score wont be negatively impacted. 