<prompt> Human: I pay my credit card bill in full each month. I dont plan on changing my spending habits. My goal is to increase my debtcredit ratio as much as I can. How often should I ask my credit union to raise the limit in increments of 2000 or so to accomplish that without it looking like something strange is going on?  <response>: I would wait at least 6 month after opening a new cardyour last credit increase. That said, theres no reason to ask for 2k increments. At this point where granted I have very established credit, when I get a new card itll have a 5k limit and I call after 6 months and ask for 20k and generally get it. It doesnt hurt to ask and asking high will at least get them to come back with their best offer. Keep in mind most credit card companies have a hard limit in the 20-30k range that they wont raise past.I also noticed you mention your credit card is with your credit union. ime, credit unions offer shit for rewards. Id suggest going and getting a good rewards card or two or three if you have a good enough credit score. 