<prompt> Human: Pretty much what the title says. I was recently granted a small line of unsecured credit from my local CU. The point of this card for me is to establish a good credit history. With that in mind, when should I pay it off each month? Can I pay it off immediately, or do I need to wait until the end of the statement cycle, so that a balance and subsequent repayment gets reported to the agencies? Credit utilization ratio; Im shooting for 15-20, too much? too little?Thanks  <response>: Can I pay it off immediately, or do I need to wait until the end of the statement cycle End of the cycle- wait until you receive a statement. Credit utilization ratio; Im shooting for 15-20, too much? too little? Thats fine. 