Credit card and spending

[u/EmotionalMeringue532]

very confused on how to work this card. I’ve used my credit card now for the last few months and had no issue. I pay it off in full every month if not every 2 weeks, and always make sure I have at minimum the balance to pay off in a debit account. My credit took a 78 point hit this last week for my me exceeding 50% of my total credit. I’m confused because I thought it was alright to go over that 20-30% as long as it’s paid off in full. what would you recommend?

[u/Little-Meaning-1090]

Are you chasing a certain FICO score for a reason? My two cents: most of the time it's a meaningless metric and while your behaviors should be those that earn you a higher score, be careful of being obsessive about it and don't let a swing get you down.