How much of my credit card do I need to have paid to improve my credit score?

When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don't spend more than half of the available balance your credit will be fine. Is this true?|||First stop using the credit cards. You're way over your head. Try to pay 10% per month until it is paid off. A credit score changes about every 12 months. There is nothing wrong on having 2 credit cards. One should always have a zero balance in case an emergency comes up.|||It is probably best to keep the balances on your accounts at 30% or less of the total credit limits. For more information on credit bureaus and credit scores, check out www.creditgumbo.com. Pay particular attention to the questions on the Credit Bureau and Scoring pages.|||None. Credit score was improved over time by the way you pay your bills. It's going to take some time before you see a change in your credit score.|||You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - credit-report-score.10001mb.com