<prompt> Human: I have several credit cards that I use for travel or to accumulate rewards points. One of the periodically reviews my account and increases my credit limit automatically. The others send me emails from time to time offering to increase my credit limit. They have my put in my current income and base it on that. There is no hard inquiry on my credit report.I dont necessarily need a higher limit on any of the cards since I dont carry a balance, but is there any drawback to having too high of a credit limit? I understand it could backfire if you were tempted to spend more, but I have enough discipline that that isnt a problem for me.  <response>: As long as you understand the temptation to spend more, there is no drawback. If you dont change your spending habits it may bump your credit score up a few points because your utilization ration would be slightly lower. 