Credit cards

Hi Brook,

I am using my credit cards to grow my credit. I know that using up to 30% and paying off and staying active helps increase it how ever I had some credit debt in the past and that has left a bitter tased in my mouth so even if I am doing this the right was and I can make payments I am feeling nervious when I see those balances. I have tried to think I habe money I can pay this off right away but I am doing this to increase my credit but I still feel a bit thightness in my chest a bit panicky. What thoughts or actions do you suggest?