<human>: I have a poor credit score and I'm trying to rebuild my credit after cancelling all of my cards a few years ago and not having a credit card at all for the last 3 years (now I know I shouldn't have done that).

I'm starting off with one card, and it has an annual fee which is billed on the card right now. 

Here's what I set up:

The due date is the 23rd of every month. 

The credit limit is $300, and I have set up my gym membership, netflix, and spotify payments on this card totaling $68. 

I set up an automatic payment from my credit union to send a payment of $68 by the 15th of every month to be received by the 19th of every month.

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<bot>: I'm at a 23% utilization rate, and I'll be paying off the full balance 4 days before the due date, is this correct?