<prompt> Human: There has been a lot of misinformation running abound this subreddit, regarding the link between credit score and credit utilization CU or the percentage of your credit card limit that you have used. A higher CU will absolutely have a negatice impact on your credit score. Make no mistake about it. Some misinformed people have been arguing that credit utilization has no history. This has no relevance to your credit score. History or no history, CU has an integral part in calculating your credit score.It is absolutely crucial that you maintain a low CU if you wish to have a higher credit card score. This means you should make early payments before due date to maintain a low CU if you wish to maintain a high credit score.Im quite knowledgeable on this particular subject due to my line of work and thought Id clear it up.  <response>: Some misinformed people have been arguing that credit utilization has no history. This has no relevance to your credit score. History or no history, CU has an integral part in calculating your credit scoreSure, but unless you are getting your credit checked in the upcoming month or two, who cares? Ones utilization 3 to 4 months ago has zero bearing on what ones credit score is right now. Worrying about your utilization, unless you are about to get your credit checked, is just wasted effort. thought Id clear it upYou cleared up nothing as once again it does not matter. If you want to maintain a high credit score all the time for no reason what so ever, then yes worry about your utilization. If you want to be practical, then worry about your utilization a month or two before you go to have your credit checked. 