<prompt> Human: I got an email from my credit card asking me to apply for a credit line increase. I always pay off my balance every month and I use up to about 40 of my balance every month. I wouldnt mind having more credit available for emergencies, but I want to make sure I dont negatively affect my credit score. Thanks for reading.  <response>: I got one from Chase today asking if I wanted one. I clicked the button and my credit increased from 10k to 16k in seconds. 