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I'm 24 and I'm completely debt free. I use my credit cards for everyday purchases throughout the month so I can get points and use my benefits. So today let's bring these credit card balances back to zero. I have three cards in my wallet that I have to pay off from the month of February. One, my Amex Gold. I use this for groceries and dining out. That balance is $1,187. Two is my Chase Sapphire Preferred. This is also great for dining out, but it can also be used for traveling to get travel points. That balance is $182. And the third card is actually my Discover. This one is best for cashback rewards. Total balance for that one is $287. A quick tip if you're trying to build credit: try to keep your credit utilization, which is how much of your credit that you're actually using, under 30%. I try to keep mine under 10% just to be safe, but if you have to spend more, try to keep it under 30%. This is exactly how I keep my credit score so high. Because I treat my credit cards like debit cards and only use it if I actually have the money in my account, I'm able to reap all the benefits and bring all of my balances back to zero without paying any interest. Looking at my Amex account, I actually have 74,974 points on my Amex alone. So we'll see, maybe I should catch a flight somewhere. The key is paying in full every month, reaping the benefits, that's how you can build credit and also use your points for things like flights.