The way you are using them are how people should use them
Ultimately, having a good score will likely save you tens of thousands of dollars when you take out a mortgage, or any other big ticket items you may purchase.
A word of caution, though - don't spend over 50% of the limit if you can avoid it, it will damage your credit scored, even if you pay it in full each month.
Just thought I'd give you a heads up
