Credit card bill help!

Jessi

Hey y’all,

Not sure where to post this so sorry if it’s in the wrong place!

So we got our first credit card to help bring up my husbands credit score (which is good but not great and we’re looking at houses) so I just got the bill and his credit utilization is almost 70%. Not the 30% I told him was best to stick to.

Our first bill is due today and we have the money to pay it off so my question is, do we pay it off in full? Or will that harm our credit? Do we pay it down to a certain amount: ie: 10%? I just don’t want to harm our credit and we only put things on the card to build credit. We currently don’t have any interest for X amount of time? Iv been googling like crazy but have no idea still.

Thanks in advance for the help!