<prompt> Human: I just got my first credit card and Im looking for all the tips I can get. I also have a question regarding how fast I should pay my credit card bill.Should I use it and pay it back immediately or should I wait for my bill to be due? Ive seen different answers doing my own research.  <response>: Use the card responsibly, never pay late. Most cards let you request increases online although some make you wait a few months after opening the card. The only thing to pay attention to is whether the back requires a hard or soft pull to approve the request. If its a soft pull even a decline shouldnt have any impact on you moving forward. 