<prompt> Human: I typically use 50 if not more of my credit limit each month and know this is harmful for my credit score. I wanted to raise my credit limit but was told at my bank it would be better to just open a new card. Im skeptical. Which is a better choice?  <response>: INQs are not very harmful to your credit score. Using 50 of your credit is, even if you always pay it off on time.Having more credit lines is slightly beneficial to your score. The important thing is that youll be decreasing your utilization. Either option is fine but getting another card is slightly more beneficial. 