<prompt> Human: My bank is increasing my credit limit on my credit card. What are the reasons to tell them no. What are the reasons to let it happen? I have no intention of using this extra bit of credit. I already have a mortgage and am not going to be applying for any credit in the near future  <response>: Theres no reason to tell them no unless you use that excess credit. Having a higher limit, it will only reflect positively because it increases the AVAILABLE amount of revolving credit available to you and will LOWER your of revolving credit used, so long as you dont tap into it. And of course, it is always available if you do need it. The only reason to turn them down is if you feel it presents a risky temptation. Otherwise, there are only positive elements to it. 