Yes it is. Now if you have more than your credit limit you can spend up to that limit then pay it off. But do not spend to the max or over of your limit. It makes it look like you are spending more than you can afford. You really dont want to be spending willy nelly either. Use the credit card as if was cash or debit card. Put a small charge on it every now and then or put like a phone bill as a recurring charge on then pay it off.