<prompt> Human: So I got approved for a credit card up to 5k, meaning id have to put up that 5k, or i could put in a smaller amount like 500. My main goal with this is to just build up credit. I fully trust i wont go spending money like wild which is why i never even bothered to get a CC in the first place Im very disciplined but have now hit a wall in what i can do in life because of my credit history. So i want to build that up in the most optimal way possible, does limit have any bearing in credit score? if i choose a smaller amount now, does that make it harder to get a higher limit in the future than say if i had just started off higher now?  <response>: If you can be responsible, having a higher limit will be better for your credit score because having a low credit utilization is one of the most important contributors to a higher credit score.For example, If you have a card with a 5k limit and you consistently run up a 4.5k balance every month, even if you pay it off in full each month, this is worse for your score than having a card with a 3k limit and charging 500 monthly and paying it off. 