What's one piece of advice you would give to someone who is new to credit cards and wants to maintain a healthy credit utilization ratio? What's the most important thing to keep in mind?

One key piece of advice I always give to someone new to credit cards is to keep your credit utilization ratio below 30%. This means using no more than 30% of your available credit at any given time. Early on, I learned that even if you pay your balance in full each month, letting your card max out or come close to it can still hurt your credit score because of how utilization is reported. The most important thing to keep in mind is to monitor your spending regularly and make payments before your statement closes to keep reported balances low. Setting up alerts or using budgeting apps helped me stay on track. Keeping utilization low shows lenders you're responsible with credit, which is crucial for building and maintaining good credit over time.