<prompt> Human: I have two lines of credit open. I use my credit cards every month but on a very limited basis; I never carry a balance. Within the next year, I plan on opening another line of credit, in hopes I can boost my credit score and get a card with better benefits. One of my current credit card companies, just doubled my credit limit. I am aware that this increase, by itself, will have not have a direct effect on my credit score. Should I decline the increase to maintain my credit utilization percentage? If I allow this increase, should I still open up another credit card?  <response>: 1. Dont obsess over your credit score2. Access to more credit helps your score3. Lower utilization helps your score4. This limit increase should not impact your decision to apply for another CC 