Never spend what you don't have in you bank account to replenish. The best way to build credit without much risk apart from anything with chime even is to set it up to pay a bill then automate your bank to pay your card off. Pay your bill a few days after you get your statement since there is a 20-25 day gap from when you get your statement and when the bill is due, doing it within a few days makes sure they have already reported to Equifax,TransUnion, and Experian which is the 3 major companies. So if you put $200 in only use $14-$60 off it each month. I went through financial literacy classes to learn this and it's been a huge help. You want to use less than 30%, the golden number is around 7% for an excellent score. If you do that you're actually injuring your credit score because your utilization is the second highest impactful action to your score.
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