<prompt> Human: I make 45K a year and Ive been building credit since 18.I applied for capital one venture credit card and the rep over the phone said I was approved for 15,000 and I was so in shock that I went with it. But Im now concerned about my credit score. I read somewhere on here to only use up to 20 of your limit. There is no way Ill ever use 3K in a month. What should I do? Can I ask for a limit DECREASE? Or is it okay to use 1-3?  <response>: Dont ever use MORE than 25 of your limit, using a lot less is fine. Just keep using it and paying it off every month. If you need to carry a balance, do your best to keep it at or below 3k, but even if you cant, the second your balance goes back down to 3k or less, your credit score comes back up within 30 days. Keeping the limit high is good for your credit overall, as long as youre not utilizing it all. 