I’m 31 and just got my first credit card this year. Had to prepurchase the amount so I have a 200 limit. I got 180 dollars worth of groceries months ago and have been paying it off 20 dollars at a time thinking that paying the minimum would up my credit score. I check my credit score and it’s gone down almost 50 points since not having credit and my friends start explaining these percentages that I was completely unaware of and how they affect your score. I suppose within this sub I’m looking for advice on what to avoid and what to do appropriately, because I know it’s meant to be a trap unless you have guidance to navigate it well. I’m sure others could use this advice also. Sorry if it’s the wrong sub.