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The balance on your statement and the credit limit is what gets reported to the bureaus. If you're maxxed out or over you limit, your score will go down. You could ask the issuers to raise your limit, although only having them for 4 months means they'll probably say no. If you want to build credit, you'll need more accounts, especially an installment loan. You could ask immediate family to add you to their existing accounts, and you will likely gain the positive history they already have. Just be sure they pay their bills on time and don't run balances approaching their limits.
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