On a credit report, what is more important: the debt to credit ratio or the

[chick.in.australia]

payment history? I'm 18 and only have one revolving account on my credit report. I usually use it like a charge card, pretty much using it until the limit and then paying it all off when the statement comes. This means my debt to credit ratio is like 90% because at the end of the month I owe them nearly the entire amount so is that bad? Should I just try not to use it all? I only use it so much because I want to build history and I thought using as much as I can and paying it all back is how you build history. but if its going to look bad I might as well stop using it. Is it better for my credit history to just have a credit card that I don't use or a credit card that I always use?