<prompt> Human: I am trying to better my credit score. I have a score of 680. I have 5 credit cards open. 3 with 0 balances. One that I use only has a 5,500 limit and I am using 5,200 of it. They emailed me saying Im eligible for a credit line increase. Should I do that? Im planning on buying a house within the next year so Id only want to do it if it would increase my score.  <response>: Youre no where near being able to afford a house if you dont even have enough cash to avoid carrying a 5k credit card balance. They want to increase your line cuz they know youll max out the higher balance and keeping paying them ungodly amounts of interest. 