<prompt> Human: On my 500 card i used about 3000 this month to pay for various things. If I pay it off before my statement, will I have a utilization of 0? Would it be best if I kept a utilization of around 10 if thats true instead of fully paying it off? Is my utilization for the month going to be around 600Assistant: Are you going to make any major purchases carhouse etc soon? If not then dont worry about utilization, it does not have memory effect on your score. However if you are - then definitely try to curb your utilization as low as you can temporarily. To your point - credit karma for example reports your utilization based on your last cc statements. However, there is an assumption out there that during credit check for mortgage or car financing theyll measure your credit utilization at the time they run your application.Human: Im still a student. So maybe in 2-4 years Ill be looking for something. I can keep my utilization at 0 if I needed to. Im just using the card for convenience and rewards.  <response>: Then you can relax - even if you keep utilization at 90 its not going to hurt anything in the long run. 