Better or Worse, getting more credit and using it responsibly is the key to getting even more credit, particularly the more difficult products like lines of credits, construction loans, restoration loans, business loans and so forth. It's also the key to getting higher balances on new and existing cards. After totally destroying my credit during college, the first card I got again had a $500 limit. 5 year later, I had three cards and about $20K and needed it all to pay for a European business trip that ultimately would be reimbursed by my employer.
A few more years, I had six cards and close to $100K. I also had a $220K mortgage on and $400K house. A builder was preparing to replace a beautiful field beside my house with 60 town homes. I knew I would hate it but that I could also rent my house out for much more than the payments, so I did and bought another $350K historic house with a $260K mortgage while keeping the other. Being almost 100 years old, it needed nearly $120K in work. I paid part in cash and got a line of credit for $60K to finish the job. Done and 8 months later, I refinance the $60K back into the first but the house was now worth $550K, so I made nearly 80K on the deal. I then closed the line of credit. I still have the six cards.
Yes, I've been fortunate but I make an average IT salary. Many can do much more, some may do less at first, but anyone can find a smart ways to use their credit and it pays to develop it. There are three basic rules: One, always pay on time. Two, try to show some but 1% utilization. Three, never close old credit. You can still pay off your cards and avoid interest on rule 2 by letting the statement cut and then paying. For rule 3, with time and a good record, you can probably get your provider to upgrade your card without changing it, so it never has to be closed.