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As long as you always pay your bills on time, never go over the limit, and keep your balance about 45% or lower it will make you have great credit. It's good if you can pay big portions of your bill each month, but it's not a really realistic or common thing.
I'd say just pay a little bit over the minimum (say, your minimum is 40.00, you could pay 50.00) as soon as possible, you'll have your card on good standing and your credit will gradually go up.
And don't charge your cards if you don't need to! It's not free money to buy things, you'll eventually have to pay it it all back WITH interest.
The actual size of your budget is irrelevant in impacting your credit. What gives you "bad credit" is spending more than you have and then having trouble paying it back. Conversely, someone who regularly charges $30 a month, and always pays it back early, will have GREAT credit within the space of a few months.
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