<prompt> Human: Hey PF. Ive been tryin to raise my credit score. I recently checked it, and my score sits at about 690 or so. I am a college student with one Chase credit card that has a 1000 limit. I try to use my card for everything I buy, and occasionally 1000 isnt enough to cover the entire month. FYI, I pay it off every month and stay well within my means, so no problems there. The final statement is usually around 900 or so. Would having another credit card help my credit?Thanks.  <response>: You can do strategic paying to effectively raise your score. At some point before the bill is generated, pay off a significant portion of it. You will have a lower amount reported so your utilization is lower. Plus, it frees up credit on your card so you can essentially spend more than 1,000 a month.You can also request a credit line increase. This usually does not have a hard pull. If you have had the card for a few months, ask. 