<prompt> Human: I have a 5000 limit with relatively high usage, I know oof. If I opened a second card that I used and paid off every month would that be a good way to decrease utilization and increase credit score?  <response>: If youre staying current and paying off the balance every month on a 5k limit card, but stretching its utilization, your income is certainly high enough to support either a higher limit on that card or getting a new card, which should improve your credit score somewhat.In fact, with that kind of usage, you would actually be able to snag some excellent signup bonuses with new cards and make at least several hundred extra dollars by doing so.If you are instead carrying a high balance, not paying it off in full but plan to pay off the new card in full, you need to reduce spending and pay off this card before trying to extend your credit. This is more so you dont dig yourself any deeper than trying to optimize a credit score. 