<prompt> Human: Today I received an email from Capital One telling me to update my income information in order to be considered for a future credit line increase. However, after doing some research online, Ive seen a few ways this can go:1. I give them my income information, they would increase my credit line. However, I also read that this may allow them to do make a hard inquiry on my credit, which I dont want. 2. I dont give them my income information, they close my account.EDIT: 3rd option: I dont give them my income information, they increase my credit linenothing happens.I think I received this email because I just paid off my 1500 balance completely yesterday I have a 5000 credit limit. Ive had a balance on this account since January because I have a 0 introductory offer until June 10, 2016, so I decided its basically a free loan and I didnt need to use up my actual cash to pay the balance unless I got hit with interest or fees. Basically, is Capital One trying to reward me and increase my credit limit for paying down the balance? Or will they close my account if I choose not to provide them with my income? And couldnt they just increase my credit limit if they wanted to, sans knowledge of my income?  <response>: Why so concerned about a single hard inquiry? A higher credit limit is not a bad thing. 