<prompt> Human: Ive had it for 12 years, and its always had a limit of 10k on it. Ive paid it off each month, except for about six months last year when I carried a balance. Now Im back on track paying it off every month.Each month I spend about 1,800 on it. So 18 utilization? Is that too high? Would it improve my credit score if I asked the bank to raise it so my normal utilization would be a smaller percentage?  <response>: yes it should improve your score. you can always use creditkarmas simulator to see how raising the limit will affect your score. 