<prompt> Human: Hello PF!Quick background info: Im using a Discover It student card, it is my first credit card, and I am in my first month of using it I have yet to pay any balance yet I still have 10 days until my statement closing date. I just received an email from mint.com saying that I spent 34 on my card and I should spend less than 30 or my score could drop. I have spent 346 of my 750 limit. The whole purpose of this card is to raise my score, so that would be incredibly ineffective. I have spent 346 of my 750 limitWould it be best for me to pay 128 to get my card under that 30 cut off before the bill comes? I know that if I pay some of my balance before the bill comes it has no positive or negative effect on my credit score.  <response>: If you have no need for your credit score right now or in the next month, ignore the 30 credit utilization rule. CU has no memory. 