<prompt> Human: I have used an Affinity Plus credit card for more than a year now and it has limit of 750 dollars. I do my minimum payments on time and pay as much as I can every time. My other credit card Capital One 1000 limit which is only few months old. My question is should i call affinity plus when I pay all the balance of my credit card or it does not matter when you call? I just want to know how they judge my application. Please help.  <response>: pay as much as I can every timeIf youre not paying the cards off in full every month, youre using them irresponsibly. If this is true, Id be very cautious about upping your limit and being tempted to get into more debt. If youre posting in this sub, Im sure youve read the horror stories of people drowning in debt. Dont be one of them.edit: dont instead of do 