<prompt> Human: I got a call from my bank and the said I dont need to pay back what Ive spent in the last billing period for another month and that they would increase my credit accordingly so I still have the full credit line available, I would only need to pay 0.5 of the credit, totaling 30.The sales guy reasoned that this would increase my credit score at the bank and would it make easier to get a increase in the credit line once I really need it Not in the USA.Does this make any sense? I mean, yes, they will have a record of me paying back that credit in time, but so will they have a record of me paying the credit card bill on time without that extra credit. For me that sounds more like they just want to earn some extra interest, or do I oversee something?  <response>: So youre agreeing to pay 30 for... what exactly? A higher credit line you shouldnt be using anyway since youre already in debt? Seems like an excuse to get you to pay more interest, which will continue even after the month without payment. 