You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - credit-report-free.totalh.com|||Maybe.
About a third of your score is based on the ratio of credit card debt to limit. Carrying balances of more than 30% hurts your score. Adding to your limit woud decrease the debt percentage and would increase your score. However, paying off the balance would also give your score an immediate boost.
You also need more than just one or two lines of credit to get the best scores/history. Credit experts recommend 3 or 4 revolving (credit cards) and 2 installment loans to get the best mix for the best scores.
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