<prompt> Human: Ive had an American Express credit card since late 2014, until today my limit has been 3,200 dollars. I got an offer today to up my credit limit by 3,000 dollars. I dont carry any credit card debt, and just pay it off monthly. The thought of having more available is nice for emergencies, but I dont think I really need it, as I have another card with an 1,800 limit. Is there a downside to accepting more of a line of credit, other than the possibility of me over using it and digging myself into a hole?  <response>: Having more available credit is good for your credit score. 