Level 7
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Credit score

Slightly disagree with Kchovan about payments taking a couple days to hit the account. Your payment is CREDITED to your account as of the date you make the payment, however it will take a couple days to POST to your account.
Ex. you make a payment on Friday at 155pm. Your payment is EFFECTIVE or transacted Friday. On Monday you will SEE the transaction in the payment history showing Friday's effective date.
Totally agree about the 30% assertion. Experian has a free tool that shows your Utilization. Suggest you sign up, and yes sign up and use is free. It's my Financial Bible.