As a tech CEO responsible for comprehensive operations, I've advised people to consider using their credit solely for necessary recurring expenses - like utility bills, which they'd pay anyway. This strategy seems unconventional, but it ensures they keep their credit active without risk of overspending, while keeping credit utilization low. The trick is to pay off the balance on time, every time. It's like putting your credit utilization on autopilot, keeping everything clean and tidy and boosting your credit health. It's an unusual strategy, but effective when followed strictly.