<prompt> Human: 95 of the time I never carry a balance on my credit card, when I do it usually only for two days max. I owe money on a line of credit which I am making regular payments to, but the bank keeps increasing my credit card limit. Is carrying a high limit you never use bad or good in the long term? My card is a Visa Avion card, my limit just jumped from 10,000 to 12,000. I try to never put more than 1,200 on it which I always pay off in full on the due date.  <response>: As others have said, that reflects favorably on your credit. However just keep up what you are doing - always pay in full unless you must to fund an emergency. Vacations dont count. The interest rates are too high, even for people with excelent credit 