So I've read from a few online sources that the major credit raters doc off points if you spend money on your card till you've reached your credit limit. They suggest you always float around a certain percentage (say 25%) of your credit limit to avoid this. I was wondering, if I pay off my credit line earlier than it's due date, is it safe to keep spending up to 25% multiple times a month? Or should I only spend 25% of my credit line per month, regardless of if I've paid it off or not. I know the credit bureaus don't release their methods so no one really knows for sure. Just trying to see if there's a consensus out there.