<prompt> Human: I just recently got my first real credit card. It has a credit limit if 8,500. I used it to make a couple big purchases airfare and now im not sure how much I should carry on it so that I will build good credit. I have just about 700 on it now...is that too much ? I could probably pay that off in 250 increments over the next month or so. Im just not sure how I should approach it.  <response>: 0. Pay it off in full each month. Do not pay interest to build credit. 