<prompt> Human: Opened a TERRIBLE APR credit card a year or so back for a few reasons:1 I needed some positive payment history. I set it up so that Id only have one recurring bill on the CC a month, and I pay it off each month in full. NBD, its only like 15 a month.2 Just in case. At the point I opened the card, I had just received a new used car as part of an inheritance and I didnt have an emergency fund set up, and since I live in LA, having a working car is basically paramount. At this point, I have a solid emergency fund, so I wouldnt really be relying on the CC if I had to pay for any repairs or unforeseen expenses.I just got an email saying that I got a 150 increase in the credit limit, for a 24.95 fee, due to my excellent payment history. Id have no problem paying the 37 or whatever on the next statement, but since Im already way under the 30 threshold, does this benefit me in any way shape or form?I feel like, since this is a shite CC with a terrible APR, theyre preying on low-income people with credit increases, hoping theyll spend more money and be stuck paying the interest on that larger balance, so I get WHY theyd give it to me, but not if theres any reason Id accept the offer.Any thoughts?  <response>: They are now charging people to take on debt. Unbelievable.I wouldnt pay 1 for a 5k increase. This is payday loan level scummyness. 