<prompt> Human: I recently got a secured credit card from 53. My personal banker advised me not to exceed 50 credit utilization. I have 300 available. I spent enough to make my available credit 129.21. Since I was just paid, I transferred 21.79 in order to make my available credit 151, so that I will have utilized less than 50 when my statement is generated. Is this how it works, or will me spending 170.79 of my 300 available credit still reflect negatively, even though my statement has not yet been generated?  <response>: Honestly, your score doesnt matter until it is time to apply for new credit or a loan or something then they check what your score is, but they only see the current score, there is no history of scores.So you dont need to worry about always having the highest possible score. If you are planning to apply for a new line of credit, yes, make sure your utilization is lower so your score is higher, but if you arent, its completely okay to have like 70 utilization for a few months and just pay the card normally which is monthly.For example, if you are planning to open another card in December, you would want to make sure your November statement is as low as possible for better utilization. But in this case, it wouldnt matter at all what your utilization was for Aug, Sep, or Oct. If your utilization was 99 in Aug, Sep, and Oct, and then 30 in Nov, all they would see on your Dec report would be the 30. 