<prompt> Human: I was checking my statement online and magically my credit limit is higher than it was last time i checked. Is this a mistake? What potential effects does this have on my credit report?  <response>: Sometimes creditors provide automatic credit line increases when you show youre a responsible customer. If you dont want the credit line increase you can call your card providers customer service and ask them to not do that.Having a larger amount available in credit lowers your utilization assuming your spending stays the same which increases your score. Its not a negative. 