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  1. Hi all, I'm after some advice. I'm 20yo and I've got 1x credit card with a $6000 limit which I got about 6 months ago purely to build my credit. I have never had a late payment and have always paid each bill in full. However since getting my credit card it has only gone from 560 to 563.. Am I doing something wrong? I see so many people who's score jumps in huge amounts after zero change. Please advise where I am going wrong, what I can do about this and where I can find relevant information? My utilization has always been under 30% except for one bill which I exceeded 30% by a 71 cents. All bills have always been paid before the due date.

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