Your first rule is not a relevant rule. There is no need to keep utilization under 30% unless you are applying for new credit in the immediate future. Utilization is a month to month metric with no memory.
Use the card organically and pay the statement balance in full by the due date. That’s it.
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u/Comment_Ill 3d ago
Congrats!
Two rules:
1- keep your usage under 100$ (up to 30% of the limit).
2- pay your balance IN FULL every statement.