<prompt> Human: Hello,x200B;So Im pretty new to credit cards since Im 18 but I got accepted for my very first credit card with BMO a few days ago and for some reason I have a 2,000 cap with 4 cashback. This is odd to me because I thought the cap would be like 500 with no benefits because I only have some online freelance coaching job for e-sports that barely nets in 300 a month.x200B;Im wondering why I even got such a good card as my first card, but also I heard from my friends that its harmful for my credit score if I spend very little on the card per month? like if the cap was 500 and I spent 150 of it per month, I would have a better credit score than if I had a 2000 cap and spent 150 because Id be utilizing a higher percentage if I were to have a 500 card.x200B;Im basically in the lowest income bracket in my province, so Im not really able to utilize such a high cap most of the time. Is it better if I ask to lower my cap? Idk. I just want to be able to have a good credit score in the future even though student loans will just frick me in the butt anyway, I dont really have a plan for that.  <response>: I heard from my friends that its harmful for my credit score if I spend very little on the card per month? Stop listening to your friends.Everything you wanted to know about FICO scores from the people who created FICO scores:Read everything on that page if you want to understand how credit scores work. 