Is it okay to use above 50% of my available credit if I pay it in full everymonth?

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Alright, last 2 billing cycles (including the one I'm on now) I've used over half of my credit limit.

I know it's generally not recommended to use that much credit, however I feel like since I'm paying it off in full every month, it's balancing out. While it's showing I'm using a high amount, im also showing I'm able to repay a high amount.

Personally, I've come to prefer using my credit cards over my bank card (I never spend credit I don't have the money for and then don't spend that money) purely due to the cashback.

I'm relatively young and new to credit cards, so any advice would be appreciated.

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Willing_Good773

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Posted: 3 weeks ago
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