<prompt> Human: I have my credit card through Pentagon Federal Credit Union, and have been with them for a little over a year got the credit card since my Dad is a member. I just applied for a limit increase for my Platinum Cash Rewards Card and was turned down for the following reasons:LENGTH OF TIME ACCTS ESTABLISHEDPROPORTION OF BAL-TO-LIMIT TOO HIGHTOO FEW ACCTS PAID AS AGREEDWhat does this mean and what can I do to fix it?Stats: 23 year old female currently living with parents. Recently as in 2 months ago started a new job, making 36,000 a year. My rent expenses are only really 200 dollars since Im living at home at the moment paying for my health and car insurance, but I travel extensively to get to work 215month for train tix and 100-70 for subwaymetro tix. I have no dependents, and my credit card bills are paid off monthly, on time, and always the statement balance. My credit card is currently paid off from my savings account this is a recent occurrence. Last time I checked, my credit score was approximately 695 or 659 I mix numbers in my head, but that was in December. Ive never been late on a payment and have not abused my cardcredit in any way taking out money, etc. The card was really the first thing I did that set up my line of credit, which is why my credit score isnt very high.I want to increase my balance so I can pay for gas, buy things, etc without relying on my debit card, thanks to the convenience of having my direct deposit into my savings and using that to pay off my credit card. Any input would be helpful since Im not entirely sure what the reasons mean. What do you think a good solution is? Getting another card?Thank you -- if you need any more information, please let me know!  <response>: Penfed is a pretty conservative lender from what I understand. - Youre asking less than a year from getting the card- You have no other accounts to show spending history- Your utilization is high 2nd FICO score reason, proportion, etc.- You have no other credit accountsYou might have better luck looking for a second card, or using an authorized user line from your parents that will report on your account. 