<prompt> Human: My first credit card, afraid to screw up and barely even want to use it because I want to be triple sure I pay it off. I also pay it off a week later normally because I have the money to do that, so I do it ASAP. Can I do this my whole life and gain great credit?Assistant: Thats what i do also. Credit limit is 2000. I think thats right my score is 751 after a year or so. Human: Thats great. Does it make a difference if you spent 2000 and pay it off on due date versus spending 100 and paying it off by due date. Does spending more a biggerfaster increase in credit or no.  <response>: Credit utilization google that term can be a negative, especially in a situation where you are using all of your credit limit every month. I try to make sure my credit balance remains lower than 25 of my limit. I pay it off every month but if its a pricy month then I pay it early. 