<prompt> Human: Some background info: I just got my first credit card this year, and my limit is set to 1000My score is moderately above 700, and i have never had a late payment posted to my credit. credit history extends before my credit card because of loans and renters historyShould i be looking at getting other cards to keep my usage under 30, or is this not something to worry heavily about? Assistant: Mint app notified me that using more than 30 of my limit on my credit card could potentially hurt my credit score, even if paid on time. Is this true?Yes, but not in a meaningful way. What it will affect is your credit utilization, which has absolutely no memory whatsoever. The only time it really matters is when youre getting ready to apply for new credit, so the month prior to that youd want to get your utilization below 30 and ideally more like 1-9 and allow your card to report with the low balance, which will give you a few point score boost.As long as youre paying your card balance by the due date every month, dont worry much about it.Human: Thanks, Essentially, if i understand you correctly, is if im planning on continuing with no major life changes that rely on credit score i should be ok with continuing Business as usual? Right now i am only using the card to gain more credit history, and have some security for online purchases that a debit card doesnt offer. I dont plan on making any credit reliant decisions like a new car, loans, or new apartment for about another year  <response>: Yep. Business as usual. Dont worry all that much about utilization until youre getting ready to apply for something, unless youre maxing out your card or something and not paying it off in full each month which could give your credit card issuer pause.Credit utilization is weighed heavily on your overall credit score, but since it resets every month and there is no history of it on your credit reports, it doesnt matter month to month. It just matters when youre looking to get some other credit product, so thats when youll want to babysit it a bit more in the month prior to applying. 