<prompt> Human: My credit card company has recently emailed me a few different times asking me to apply for an increase in my credit limit. It would only involve a soft inquiry, and based on threads like this one it seems like increasing my credit might not be a bad idea. The only reason Im a bit wary is due to the fact that my credit card company is the one pushing it. What is their incentive to do this? Is it in the hopes that one day Ill need to make a huge purchase I cant afford, and then will be paying them interest on a large balance? As is, I charge quite a bit to the card, but never carry a balance, and never get even close to the credit limit.  <response>: They are just hoping you spend more and pay them more interest.Theres no reason not to do it. Raising your credit limits will lower your credit utilization and improve your credit rating. 