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I guess I might not be thinking about this enough, but my approach would be: Use your card to buy things that you would buy anyway and be certain not to exceed the credit limit. Pay it off completely when the bill comes and never ever ever pay late. If you want a higher credit limit ask for one in a few months and you'll probably get it. The key to a high fico score is more about NOT doing bad things than doing "good" things. BTW, this has been my approach to credit my whole life and I was able to get a mortgage right out of college. Now I'm 31 and have credit that's good enough to do . . . .everything I've ever tried to make it do . . .