<prompt> Human: So Ive heard a few conflicting things regarding building credit. Right now my credit limit is 1,500. Lets say I max it out and pay it in full immediately. Will this negatively effect my credit? Because Ive heard some people say that you dont want to spend more than 10-30 of your credit limit each month to build good credit.  <response>: The biggest rule is, dont spend what you dont have. Having a good credit ratio is good for your credit, but it isnt really logged the same way missed payments are. Lets say today you had 100 maxed credit card, it would impact your credit. But if you paid it off, as soon as the accounts are updated it would go back to normal. 