Answer: -As you make purchases, and make your monthly payments. ON TIME, you will automatically qualify for limit increases. If a year has passed, and your account has been kept in good standing, you can also request a limit increase. Keep in mind, if your goal is to stay out of debt, increasing your credit limits does not sound like a good idea. The fastest way to improve your credit score is with an installment loan, like an auto loan or mortgage. You get a lot more points for paying this type of loan on time than you do revolving, or credit card accounts. Any other questions in this area, feel free to contact me. -Never put more on then you can can afford to pay each month. If you can spare $100.00 a month for the bill then only spend that monthly. Use it for little things like the gas station or something because that is money you were going to spend anyway. -Put enough money aside each month to pay off your balance on items that you have charged or at least pay more than the low minimum payment. Always send your payment in before the due date. -Only charge an amount that you can pay off when your statement comes. Do not carry a balance over to the next month. This will show that you are responsible and will build your credit rating. After several months of doing this you should be able to get an increase on your credit limit. Never, ever be late with your payment as this can increase your APR and also ruin chances of getting the increase.