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Should I have a higher credit limit on my credit card?
If you want to stay in the sub 30% range to avoid 'high utilization' on your card, make sure your credit is > 3.33x your usage.  For your numbers, a 2500 limit would probably keep you out of 'high utilization'. The primary reason to do this is to stay off your lender's 'high risk' list.  Due to the risk perceived by CCC's, accounts with greater than 30% utilization are reported as high utilization. Keep in mind that utilization does not have a history.  So you can drop your utilization a couple of billing cycles before you apply for a high cost item (e.g. car or house) and your score should bump up a bit.