<prompt> Human: If you havent recently asked, give it a try! I was nervous about asking for some reason, since Ive always just let my cards passively increase. Utilization has been an issue for me even though I pay them off monthly.Discover instantly doubled my limit without doing a hard pull 3000. Citi increased my limit from 1000 to 2400. Since my citi card has the best benefits I asked for even more 10,000 with a hard pull. They told me this morning they were upping it to 5000. No youre fucking crazy, just a generous counter offer. This has more than doubled my credit limits in 5 minutes of work, which will halve my utilization and increase my credit score. Plus, increases tend to scale up with your current limits so the sooner you start asking the more youll end up with.Give it a try if you trust yourself and good luck!  <response>: I ask for an increase about once a year across 3 credit cards. Im sitting pretty at 1 utilization with over 100k in credit now. Some of the credit card companies automatically increased my limit as well as my income grew. 