<prompt> Human: To make a long story less long, I thought I was getting a limit increase when my secured card went unsecured, but its not. Im scared to do another credit check to try for another card. Should I do a pension or personal loan or just wait for a better time when I have more money? I was really looking forwardto propose this year, but I cant do it without a ring.  <response>: I would start saving up and do it at a later time. 