I'm learning more about credit before I get a credit card, and I read that it's advised to never use more than 30% of your credit card's limit.
Let's say someone has a $2000 credit line and he spends $1000 so he used 50% of his credit line because he wanted to purchase something expensive to grab some points. He pay off this before the statement which after 2 days is when the credit card company files my credit report to a bureau.
Is it bad to have used 50% of his credit line even though he payed it off before it got reported to the bureau (shortly after the statement) and the due date.
Should I avoid using more than 30% at all times or just as long as my balance is below 30% when my credit card issuer reports to the bureau?
Is it best to leave some small balance less than 10% on the statement to show activity and then pay it off before the due date? Or just pay everything off and have a $0 statement? I'm trying to understand when credit utilization is important and how much having a balance in a statement (that gets sent to the bureau in the credit report) will positively influence my credit score that I'm trying to build.