<prompt> Human: My current credit line is 7500 and I got an email saying I could qualify for up to a 4500 increase. I definitely dont need it but they do have a nice bonus points incentive which Ill be able to trade in for cash back. Thats really about the only reason Im considering it - I rarely spend more than 500 on this card per billing cycle and pay off the balance in full every month. What should I do?  <response>: Always take the limit increase if you know for sure you wont be tempted to actually use it. 