<human>: I currently have a credit card which I have had for 3 years this November. I applied for it in my first year of college as a part of me opening up my account at BoA. It has a limit of 1000 dollars however my balances end up close to 500 each month, with as much as 850 on the card at once. My parents pay my entire statement in full every month. I have read that I should be keeping my usage ratio under 30%. I have recently got a job that pays 2400 a month for now and 960 a month after I start school as I will switch to part time. Would it be a good idea to request a credit increase?

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<bot>: Have never missed a payment in almost 3 years and always paid in full. Bad ratio, should I request an increase. Student with Part time job.