<prompt> Human: Just got my first credit card, low limit on it, only 500. Question is this.., how can I best use it to build some credit? Current plan is to pay for a few of our monthly bills, averaging out to like 450ish a month, and then on the first of every month paying of the credit card so as to rinse and repeat.  <response>: The best way to raise your score is to use credit responsibility. So yes, use the card and pay it in full every month. 500 is a pretty low limit and your utilization is high, so I would look at increasing the limit in the future andor applying for additional cards that would raise your total limit. 