<prompt> Human: Hi everyone,I was thinking about raising the credit limit on my main credit card just to have the higher limit in case something catastrophic happens. I searched through some historical threads and found that generally this will improve your credit score, since your utilization goes down and whatnot. However, I also found that it can hurt if you have too much credit available to you. Here is what I currently have:Chase Freedom - 11,500 limitAmerican Express - 3,500 limitThe American Express card is no longer used, but I figured having 2 cards is useful in case something fraudulent happens with my Chase card. I do not carry balances and pay the card off each month.So my question is, if I raise my Chase Freedom limit to say, 15,000, could that hurt my credit score or prospects of getting a mortgage?Thanks for any help!  <response>: I have around 200k in available credit card limits and havent seen any sign of it hurting me. I havent tried getting a mortgage, but its way easier to get rid of the high limits than it is to get them. 