<prompt> Human: Im thinking of applying for a credit card soon. I read that keeping a low credit utilization ratio is ideal, and Ive also read stories of people having a hard time keeping a low CU ratio, and having a low CU ratio being an unrealistic goal. What exactly is keeping from buying lunch with my credit card 2 or 3 times a month, using my debit card for bigger payments such as the light bill, and keeping my CU ratio low?  <response>: Key to have a low Credit Utilization is having a high credit limit. 