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Yeah, I agree. Sometimes I wish I didn’t have to think about all this credit stuff. It’s such a waste of time sometimes, though I have to say I do enjoy it every once in a while. It’s sort of like a competition you have to win…
What I do sometimes is spend 30-35% of my limit, pay it off and then use it again (within the same statement period). I heard a credit expert mention this on TV once, so I do it whenever I need to spend more than 30% during the same month. It makes sense when you think about it, as banks report your card once a month to the credit bureaus, so they report whatever your balance is during that day.
Good luck and keep us informed!