<prompt> Human: Hey everyone!I am a 21 year old college student. I signed up for my first credit card at the beginning of my freshman year of college two years ago August 2014, a Discover IT card with a 500 credit line. It was rocky in the beginning as I learned the ropes of having a credit card, but recently I got a good paying job as a financial reporter freelance, and have been paying that first card off every month Im making more money than I ever have before. My score went from 628 to 699 the month after I paid it off in full for the first time. In 26 months I have never received an Credit Line increase from Discover. So, today I applied for a Chase Sapphire Preferred Card and was instantly approved for a 5,000 Credit line.Will this help me or hurt me? Did I screw up? AdviceSuggestions?  <response>: You may see your credit score jump immediately due to a significantly lower credit utilization ratio. Lets say you were putting 250 on the Discover card every month and paying it off, thats 50 of your available credit line and that doesnt look good. Now that same 250 is less than 5, much better!Good luck and treat the CSP like youve been treating your Discover and your score will be great! 