<prompt> Human: Ive been reading about credit limits and it seems you always want to stay well below the the limit to make sure your credit score doesnt dip, but i also saw people saying they wanted different cards because they offered higher limits. However, since you want to stay well below the credit limit anyways is there a point to getting a higher limit  <response>: If you are a responsible adult who doesnt spend more than they can afford, higher limit is always better. Its a big reserve of money you have access to borrow in a dire emergency and keeps your utilization lower.High utilization isnt really something to concern yourself with, it has no historymemory so as soon as you pay down your balances your credit score acts like utilization was never high in the first place. 