<prompt> Human: Basically wondering about the question in the title. Trying to get a credit limit increase, but the bank needs a hard pull done. Wondering if that will count towards 524. Thanks in advance. Assistant: Do you have a budget? Emergency fund? Savings? How many lines of credit?Ie: What purpose do you need to increase your limit for?Human: I understand that 524 is about new accounts and this isnt a new account I think. Was wondering cause I read about adding an authorized user counting towards 524. This is going to sound sketchy: My brother asked me to cosign on a jet ski with him. Will pay off within a year and I know hes good for it. So instead of cosigning, I want to charge my 2 card and balance transfer into another card that offers 0 apr till Aug 2018 fee is 1. But the current limit of that card is not enough to do this.  <response>: My brother asked me to cosign on a jet ski with him. Dude just no 