also i forgot to ask. what amount of my credit percentage wise should i be using and should i pay in full every month or pay down to $1. i heard this makes a difference because it is then considered a "revolving account"? im a little confused about this i called capitol one and they told me that my due date every month will be the 8th and my closing date every month will be the 11th. whats the best strategy to use to get my score up the fastest? and what amount %percent wise should i use every month?