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. More on reddit.com

Should I cancel my Synchrony Bank Amazon Secured C... ... Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. ... Browse credit cards from a variety of issuers to see if there's a better card for you. More on ficoforums.myfico.com

Do not get 2 secured cards. More on reddit.com

You applied for a secured a card, which is a type of credit card for people who need to rebuilt credit, but can also be used for students who want to build their own credit history. That $250 is a security deposit that becomes your credit limit. If you fail to make any payments on time, the bank will take that money from the deposit as insurance. Eventually if you show yourself to be trustworthy enough with making your payments on time, your card will turn from a secured card to a regular credit card and you'll be refunded that money. In this case, it seems the Amazon Secured will convert to a regular card if you show 12 months of responsible use. No hidden fees, just make you pay it off on time and it's highly recommended you stay under 30% of your credit limit, thought I'm not entirely sure about this. I think it's just more about having a good spending habit. I wouldn't have chosen this as a good beginner card since you get zero benefits unless you have Prime, and even then it's only 2% for spending on Amazon. The top 3 that I see recommended the most are the chase freedom rise (1.5% on all purchases), Discover Student it (5% randomized categories, unlimited cashback match for your first year), Capitol One Savor Student (3% on dining, groceries, entertainment, streaming services). Since you're under 24 (idk if you're a student), you can get the Amazon Prime Student Discount which offers the first six months free then a discounted subscription price. I think you should just get it for the 6 months free, then cancel if you don't want to pay. If you're a student, then I would've recommended the Discover Student IT Cashback, it's what I have right now. Their current category for november and december was offering 5% cashback on amazon lol, but since you're just getting started with building your credit, I think you should wait at least six months before trying to apply for another card. One last thing is I would be careful about Synchrony bank which is the bank that issues your Amazon Secured. I never used them or any of their products before, but it looks like people really don't like them, so beware of that. Also, what bank do you use if I may ask? More on reddit.com