<prompt> Human: A couple of years ago, my bank offered me an credit limit increase. I went from 1500 to 4000. I never use the full 4000. The most Ive used at one time is maybe 2500. Now the bank is offering me another increase. This time they are offering me a limit of 6500. I dont need it but I heard that turning down a limit increase is bad for your credit rating. Is this true?  <response>: Turning down a limit increase does not harm your score, but taking a limit increase can help your score by decreasing your credit utilization. Id say take it, as long as you dont use it as an excuse to spend more. Keep your same rules about spending within your means and its always a good idea to take a credit increase. 