>have to spend below 30% of the credit card limit to build

>>2574271
the credit utilization portion of your credit score only matters if you try to get credit while having cards maxed out

if you max out your cards for and then pay them off it won't hurt you

>>2574271
>paying someone so they can figure out if they want to give you money
>credit goes up the more you pay someone

I hate Jews so much.

Use all of your credit limit however you like. The day before statement pay everything but 29% (or 9%).

>>2574271
Nigga wtf are you talking about. You can max out your card as long as you pay off your entire balance before the billing cycle ends. They want to see below 20% or so utilization of revolving credit in your name. So as long as the credit card is paid off monthly you should have 0% credit utilization.

>>2574271
Ideally you want to spend less than 10% of the total avalible balance but just 1 transaction a month is fine. What lenders are looking for is payment history. Put one thing on your CC and pay it off El every month and you'll be fine for growing your credit/credit score.

Building credit takes time and money. Staying under 30% utilization shows the company that you're responsible with your allowed money.

Spending more money on your card will build a better reputation with your credit card company, as long as you pay the due amount back.

One thing you can do is spend all the money you want from your card, but a few days before your statement comes out, pay off enough on the bill so you'll be under 30% when the company reports to the credit bureaus.

But really, you could spend whatever as long as you don't go over your limit and you pay it off in time. Credit will be built regardless.