<prompt> Human: Hey guys, Ive had my credit card now for about 6 months, and it has been been very useful in some situations. However, as of late what I have been doing is simply using it for almost purchase - is this bad?When it comes time to paying it off, I would just have them deduct it from my checking and there you go. Of course, Im not letting it to like...500 dollars, but I have been using it more liberally as of late instead of my debit card or cash; in all reality, I have now replaced my debit card with my credit card...Is this bad though? To use your credit card for almost every purchase? Ive always paid it off in full, and my credit score is great. Would this hurt my credit score, and is this overall a bad thing to do?  <response>: I use my credit card for everything that doesnt incur credit card fees. Thats probably 95 of my my monthly expenses.As long as youre paying it off in full each month, youre fine. The utilization rate aspect of your credit score has a short term memory. So if you use 30 one month and then only 10 the next, your score will see the improvement almost immediately. Frankly, if youre gonna use your card for a lot purchases, it makes sense to have a reward card of some kind to reap the benefits. 