<prompt> Human: I have a credit card through Citi, and Ive been getting email notifications, alerts when I log in etc. that theyd like to raise my credit limit. Only thing is, they ask how much I make, and I dont know if Im entirely comfortable answering. I have no reason to be uncomfortable, I just prefer to be private. Am I off my rocker? What can they do with that information? On a side note, an increased credit limit wont affect my spending. It would mostly just be nice to make 1 payment a month instead of two.  <response>: Id take the limit increase. It improves your credit utilization ratio. 