The credit card companies don't penalize you for using your card, it makes them happy. Your FICO score is determined by the consumer credit reporting companies, Experian, Equifax and TransUnion. They use the data reported to them by the credit card companies.

But if you aren't getting a loan or buying insurance, now, your month-to-month variations don't matter much. The thing you can control is use of your credit card and taking steps to raise your very low limit.

If you aren't getting cash back for "charging everything" why are you doing it? But going over the limit, once in a while, doesn't matter that much. I have a $25k limit on one of my cards and went over 30% utilization twice last year. My FICO bounced back.