So for a year, use most of your credit line. This is to convince the bank that you actually do need more credit. Pay it off in full every month. Always do this. After that year, if they don't raise your limit, it doesn't matter. You'll have built up your credit score enough to apply for a normal unsecured credit card. You might want to do this anyway, get one that gives points or cash back. That second card, and subsequent ones, will have higher credit limits. At that point, you do not have to use the whole credit line. In fact, you shouldn't. For your credit score to improve now, you'll want to keep your utilization low. 10, maybe up to 30 percent is fine. Again, never charge more than you can pay off immediately. Pay the full statement balance every month, without fail. Answer from katmndoo on reddit.com