<prompt> Human: I obtained a score through creditkarma.com which puts me in the Good category, but definitely under the highest tier which would get the best interest rates. That is, of course, assuming that the Transrisk score closely approximates FICO, and I assume it does since I think its just the TransUnion score.Anyway, I currently have zero debt car and student loans paid off, with net income of around 65k annually could be somewhat more if my employer has a good year. The only thing I can tell from Credit Karma that is dinging my score is my credit utilization ratio. I have two primary credit cards with a combined limit of 8500. I use them heavily to get cash back, and the result is that the individual per-card and combined utilization is usually above 50. But I always pay off the full balance on these every month. I also just checked my 3 credit reports and found no problems or inaccuracies.So what should I do if I am planning to buy a home sometime next year and want the best rate available? Is it simply a matter of requesting a credit limit increase on my credit cards? Should I start shifting some of this spending that currently goes on the cards to cash or debit? Something else Im not thinking of?Assistant: A credit line increase could hurt you. There is a total amount of debt all creditors combined will give you, if you add debt to one pile, it subtracts it from other piles your potential mortgage in this case. IE, if creditors are willing to loan you 300,000 total, if you have a 10k limit on CC, they will only give you a mortgage for 290k.When you get close to the time you want to apply for the mortgage, a month or 2 before, just keep your utilization below 30 of your limit. A month or 2 of lessend rewards wont kill you in the long term.Human: Thanks, makes sense.  <response>: You could just pay your credit cards weekly during that time period. 