I know of his parents home who kicked him out since I ' ve last been back and he ' s couch surfing now all I could find out 😡 <| sep |> I can ' t speak to your other two questions , but your credit score is a function of use . So if you rarely borrow , there ' s nothing for the rating agencies to help determine if you ' re trustworthy . So I would first suggest either increasing your credit limit on your existing card if you use too high a percentage of your limit , it has a negative impact on your rating or get a new card with benefits you like but don ' t cancel the old card , as credit scores are based partly on age of accounts . Then , you surely have more than $ 200 of spending per month ? Put everything you can on your card , and do exactly as you do now buy responsibly don ' t buy if you don ' t have money in your chequing to pay it off , and pay it off every month . This would provide evidence you can responsibly handle debt , and you can benefit more from the rewards on the card .