<prompt> Human: I have 2,300 on my CapitalOne Quicksilver card slightly less than a year old, and found out today that they randomly decided to bump my credit limit from 3,000 initial amount to 7,500. Im planning to pay it off ASAP. This jump in credit limit puts me at 30.6 utilization though. I keep reading that keeping your utilization ratio between 20x30 will help your credit score. In my mind, paying it off completely makes the most sense, but with a relatively young credit history 25 years old, does it make sense to pay off just enough to be over 20?  <response>: Pay it off entirely. Its not worth paying credit card interest in a vain attempt to boost your credit score. 