grifenhagen wrote:i read that it is not good to use more than 30% of your credit limit, so i still needed more credit.
You can use whatever you want. You want no more than 30% to report but that's a maximum. Ideal is probably about 10% or less but there isn't a fixed ideal percentage for everyone as ideal can vary from person to person.
To maintain reported utilization you need to pay your balances down prior to when your accounts report to the CRA's. For most cards reporting takes place at statement end but there are a few cards that report at other times. Keep in mind that utilization is determined at the given point in time so while you generally want to avoid exceeding 30% you probably don't need to worry over optimizing to 10% or less until you're ready to apply for something. I don't bother with it in general because my spend and my limits tend to put me at about 12%.
grifenhagen wrote:what is the best way to keep raising my credit score?
With several new cards you probably just need to put in the time and responsibly use them.
grifenhagen wrote:i used 70+% of my available credit on my capital one card and my score was 766, so im thinking that it isnt that important.
Individual and overall utilization definitely matter. Short term high utilization isn't a big issue but prolonged high utilization can lead to AA -- credit limit decreases, closure, etc. At 60+% (don't recall the exact numbers) over a long time I had a card balance chased to about half of its original limit.
Scores can be handy tools but they're not all that matters.
grifenhagen wrote:should i apply for any more cards?
Your call to make and depends on your credit. Always consider the usual factors involved in credit scoring and your own credit. Consider that each new account drops your AAoA and tacks on an inquiry. Those may have little effect on your credit or they may have a larger affect. I really can't tell you.