When is a good time to ask my credit union to raise my credit limit?

I got my first credit card in December, and spent $350 and paid it off in full in January. Spent $400 in January and paid it off in full in February. I know raising your credit limit slightly helps raise your credit score. So when is a good time to ask?|||You need atleast six month of on time payments but after one year would be ideal. You should check your credit report and FICO score before asking them to increase your limit.|||about 6 months|||never.


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'total money make over'|||If you are going to continue to use debt, and want to raise your credit limit, I would wait at least 6 months before applying or asking for a credit limit raise. Also, you will want to make sure that your balance is not close to the limit (i.e. having a $450 balance on a $500 credit card). Try to keep the balance under 25% of the available credit.