<prompt> Human: History: I have had a debit and credit card with chase for about 4 years now. I only use the credit card for purchases of around 100 and I always pay them off immediately. It is a basic student account with a 500 limit currently. I now also have a USAA checking account which I use as my primary account.Situation: My bank with whom I have a credit card for four years Chase has begun offering me a credit increase for the past few months. Other credit card companies have been sending me requests to open higher-limit cards with them as well. Are there any additional benefits I can receive other than the credit increase if I take Chases offer?  <response>: Unless youre going to go on a spending spree, theres generally no reason to turn down a credit limit increase on a card you already have. In terms of getting more cards, unless there is credit that you want to apply for in the near term, it would probably be beneficial to your credit to open another account, especially if your USAA card is the only one you have. 