<prompt> Human: Received an email that I can up my Amex limit, but as the title says Im worried about hard credit hits. Trying to improve my score, so I just want to use this extra credit limit to increase my debitcredit ratio. I use the Amex for the Delta Skymile points, and pay it off in full every month. Occasionally I dont pay it all off, but when that happens the balance is only 250 and its paid off the follow month without issue.Wife and I are trying to save up a 3.5-7.5 down payment on a house, so not looking to spend more. Advice?  <response>: Youre over thinking it. Just accept the limit increase. 