<prompt> Human: Its a pain that the limit is so low, my income has gone up a significant amount since getting the card. I would call and ask to get the limit raised but Ive only had the card for a few months. Assistant: It is in your best interest not to exceed, say, 20 of the limit. While your limit is low, try to limit your charges to 100, either by using a debit card for other purchases or making multiple payments during the month. If your balance is 400 when it gets reported to the credit bureaus, the high utilization 80 will bring your score down.Human: Thanks.Edit: Can someone explain why uhydrocyanide was downvoted?  <response>: I didnt downvote and I cant explain why others would, but this: It is in your best interest not to exceed, say, 20 of the limit. While your limit is low, try to limit your charges to 100, either by using a debit card for other purchases or making multiple payments during the month. If your balance is 400 when it gets reported to the credit bureaus, the high utilization 80 will bring your score down.It is true in the strictest sense, but it is senseless advice. Unless you are planning to take out a loan or mortgage in the next 30 days, it really isnt going to matter. Your credit score changes day to day and this is literally a blip. At this stage in your life, it is much more important that you establish a payment history make your payments in full and on time. 