<prompt> Human: I miscalculated and spent a bit too much on my credit card.I try to keep it less than 30 since this is a prime factor but I spent 33 .Ive been working hard to get into the excellent credit range and Im right on the boarder. Im about 753. I was thinking about asking my bank for a limit increase to see if it went into effect immediately.  <response>: As long as you dont need your credit score for anything in the short term, then dont even worry about.Credit utilization has no memory, so once this goes down next month, your score will reflect the new utilization as if this months utilization never happened. 