<prompt> Human: I need to convince her that spending all this money doesnt help her credit. Shes very dedicated and has improved her credit a lot but from my understanding thats due to regular payments, not usage. For example, even if she doesnt need anything she will use a credit card until shes met 30 and then pay it off every month. Basically shes budgeted a huge amount of money oncredit building and Im PRETTY sure it isnt actually helping her.How can I make her understand to just leave the cards alone and have a small balance if she needs a credit pull?  <response>: Shes got it reversed.You shouldnt spend MORE THAN 30 of your available credit not spend UP TO 30.This is to counter utilization.Her score is rising because shes paying the statement balance in full and showing usage. If she were spend less, than her score would increase a little more. Right now shes probably spending money she doesnt really need to spend. 