<prompt> Human: First credit card, looking to increase credit score and eventually get a larger line of credit. Credit score is in the high 600s and was offered 1k line of credit, no annual fee and 1 cash back on all purchases. Is it ideal to max out use 90-95 of credit every month, and PAY IT OFF IN FULL, or to stick with the more industry standard credit card utilization of 30?  <response>: It is ideal to use it for already budgeted for purchases that you could afford to pay for with cashdebit, and to pay your statement balance in full every month. You dont get bonus points for spending more money. 