Credit Cards and Credit History

Hi all,

After looking everywhere online with little help, I would like to know from any experienced credit card users the following:

Is it beneficial when having a bank assessment for a loan, to have a low limit credit card ($1-2K) with some history that is always paid off full on time compared to holding no credit card at all?

Does credit utilization matter at all in Australia, should I only use a small amount of the limit or can I use most of it as long as I pay it all back on time?

I only seek to improve my credit history (it’s already good), to potentially increase borrowing capacity in the future, is this feasible? I already hold an investment property and assume the loan serves for bank assessment, I want to know if a credit card will even help for future purchases.

Thanks