<prompt> Human: I have a Chase Freedom cash rewards card with a 500 limit that I have been paying off in full every month. I utilize mint.com to manage my finances and it alerted me that my credit score could be damaged if I use more than 30 of my credit limit, essentially leaving me with a 150 limit. Ive gone over a bit already and was wondering, which is worse, asking to raise my credit limit or spending 30 of my credit limit.I appreciate any insights.  <response>: The beauty of your utilization ratio is that the historical utilization ratio doesnt count, so if youre looking to get a loan or something make sure you have 30 or less as your last statement reported to the credit bureau. Other than that, just dont worry about it. 