<prompt> Human: Good morning PF,Im a little clueless to the inner workings of credit cards since Ive only had one for about 2 months. Currently I only use it for my monthly Spotify and Hulu charges. 300 Discover Card. Is this building my credit as much as it would be if I was spending maybe 50 a month instead of just the 20ish a month I currently pay on it.  <response>: Spending more doesnt build credit faster. 