<prompt> Human: so, i just payed off a card w a 12k limit and my credit rating has improved since then. i was wondering if i should start using it daily, instead of my bank card, to improve my credit rating further. i wont have a problem paying off the balance each month either. thanks in advance.  <response>: If you can mentally treat it like its still a debit card and not spend money you dont have in the bank, yeah. Youll get credit card rewards, plus your protection on fraudulent purchases is much better with a credit card. 