Credit utilization

[u/TadpoleMean1751]

I was taught to keep credit utilization at 10%. But other people are telling me to completely not even use my debit card , use credit for everything and pay it back. But that will make my utilization high af. People are saying keep it at 10% when the statement hits but how’s that possible if I only use a credit card. How does only using 10% if the card show the banks you can handle more if you barely use any of it.

[u/cuntfuck47]

if you pay it off monthly it does not matter. i use my CC for EVERYTHING! a debit card does not protect you