<prompt> Human: I got an offer from my bank to increase the limit on my credit card. I get these occasionally, but I did get an auto loan 4 or 5 months ago. I pay off everything in full every month, and have the cash reserves to back my usual spending. What is the benefit of accepting or declining this offer? How does this sort of thing affect ones credit?  <response>: Having more credit and using it wisely always looks better than having less. 