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75% of my $200 credit line is used. Will paying it off now increase my scores, or better to wait?
I am brand new to this credit thing, just got my first loan for a vehicle. Yesterday was approved for a secured mastercard by capital one. Please give me any extra tips or things i need to take into consideration along with this question. And also not sure what the 30% utilization thing is. Please help me understand. It would be greatly appreciated and you would be helping someone start their life. Thank you!

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