<prompt> Human: Im working on coming out the other end of a hellacious couple years and trying to rebuild my destroyed credit. Ive had credit cards in the past but they were all closed and are being paid off through collections right now. I should be done paying those debts in a few months. I currently have no credit cards at all, which is a negative thing on my credit report. I have about 1k cash that I could throw at a secured card. My question is what are the marginal returns on the height of the limit? Will it matter significantly to my credit score if I get a 500 card vs 1000? is there some kind of magic number that makes a bigger difference?  <response>: Limits are irrelevant. Its your utilization ratio which determines your score.See this thread for more info. 