How do I increase my credit score? Can it help me increase my credit card limit and not be restricted by 3x or 5x of my monthly salary?

There are a few factors, and although I don't know them all, I believe these are the basics,

1. timely repayment of existing debts, including credit card payment
2. reduce the amount of debt you current have
3. for bill payment, automate

Do also,

• check your credit score report - CBS

Hope it helps,

Pascal

Increase credit score by making prompt payment on time. If possible, reduce the # of debts that you have by paying off wherever possible - especially credit cards and loans.

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Do not open multiple new accounts within short period of time in bid to increase your available funds or close accounts to make it go away. Credit score stays affected for a number of years - 3 years or 5 years for bankruptcy.

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Most importantly, check your credit report. The whole purpose is that bank assess you as a responsible user of credit so if you uses the credit and are able to pay back responsibly - you will have a better credit in long term.