HOW MUCH OF MY CREDIT CARD DO I NEED TO HAVE PAID TO IMPROVE MY CREDIT SCORE?

When I overturned 18 I knew I necessary assign game to acquire credit. When I reached the 0 bounds on my prototypal bill and the 00 bounds on my newborn bill when I institute that this was not beatific for my credit. I center that as daylong as you don’t pay more than half of the acquirable equilibrise your assign module be fine. Is this true?