I pay my credit card off every month, in full, but was using nearly the max limit. I thought that it was good to use nearly the max and then pay it off, showing that I was using my card and able to fully pay it off. After some research, I see that that is probably doing worse to my score than if I barely use the card at all. I have not been able to find a definite answer to this question and was wondering if anyone has any first hand experience or knowledge of how this affects credit scores. If it is better to use some of the credit, and then pay that off in full, what is the general percentage that I should use to get a better credit score?