<prompt> Human: Just getting started with credit cards and I was curious, now I know using more than 30 of your credit can hurt, even less than that Ive heard, but in comparison to paying off your credit card statement each month in full, which has a bigger impact on your credit score?  <response>: Paying your credit card off in full every month is the most important thing because you dont have to pay interest. Making at least the minimum payment every month is the most important thing in regards to your credit score. Credit Utilization makes up a large portion of your credit score but it has no memory, it only considers your current utilization based on your last credit card statement. You can ignore it entirely until a month or two before you need to apply for a new card, car loan, or mortgage. 