<prompt> Human: I have a 2,000 spending credit limit on my Chase Freedom and throughout the month I can probably spend about 400-800 dollars. Im always able to pay it off entirely but I was told not to use so much of my line on the credit card. I feel that if Im able to use the credit card and gain rewards, I may as well capitalize on it as much as possible.Ive only had the card for about 3 months so I think it might be too soon to ask for a credit line increase. What should I do here? More spending on debit and less on credit to avoid putting too much on the card?  <response>: If this is going to be a temporary situation, youre fine in utilizing a high of your card. FICO will not look at past utilization history when calculating your score.If you are looking for a loan any time soon, another strategy involves paying down your balance before your statement posts to prevent your bank from reporting high utilization. 