<prompt> Human: The title basically says it all. I keep getting offers to increase my credit limit, I always pay the full balance, and I use it a lot, but never get higher than 30 of the current limit. Is there any reason I shouldshouldnt accept these increases?Ive read online that more available credit is good because then your credit utilization is lower, but Ive also been told by a mortgage broker that too much available credit will negatively effect how much a bank would be willing to loan me.Edit: Thank you, everyone who has responded. It seems clear that accepting the increases is always a good idea.  <response>: Yes...seems like you have good enough self control to not go crazy with the the higher limit. 