<prompt> Human: So Im a 28 year old whos leached free rent of my retired mom for my whole life and saved up around 80,000 to buy my first shitty hole in the wall around Vancouver!So onto my question, every time I go in to the bank they tell me that I need to up my credit card limit and that it will help me get a better mortgage by improving my credit. Personally, I think my one credit card with a 5,000 limit is more than enough for my needs, and anything more then that just seems like a liability in the case of fraud or theft. In fact with the cell phone app being able to preload money on the card or make a payment in seconds I had survived until 25 on a 500 limit card. Is upping my credit card limit actually going to help me here? I cant see any situation where Id need or want the 15,000 limit offered. I have no line of credit, Ive never had a loan other than my government student loan which I paid off in full in one payment. While Im worried that having limited credit history could hurt me Im famous for losing my credit card semi annually so I just wanted to ask if this is worth the risk. Why would they even offer me a credit card with multiple times my monthly earning anyways other than in hopes I overspend and end up in debt.  <response>: I dont think this will matter either way you go. anything more then that just seems like a liability in the case of fraud or theft. One benefit of Credit Cards is you are not responsible for fraudtheft, so dont concern yourself with that. 