<prompt> Human: Ive had my Wells Fargo credit card for four years now. It was my first ever credit card and ive always paid it off every month. I dont use it anymore other than i have a reoccuring 27 charge on it every month for oet insurance, which i pay off. When i first got it, they gave me a 7500 credit limit, and now they are offering me a 9500 credit limit. Should i do it? Im weighing any possible negative impacts to my credit score by raising my limit. My other credit card is a 7500 credit limit on a Capital One Venture card.  <response>: Take the limit and dont change your habits. Having a lower utilization ratio helps your score. 