<prompt> Human: Today while checking my finances, I noticed my credit utilization had dropped significantly. After checking my accounts, I found that Chase had increased my credit limit from 3,000 to 13,000. I have had this card since March 2014. I charge my expenses to the card and pay it down so I maintain a very low balance. The initial credit limit was understandable. Im 21, make 80k, and tend not to spend a huge amount. But to jump 10,000 in 3 months? Why would I be granted a CLI? 13k is a lot of money, but from what I understand, its good for your overall utilization. Is an increase out of the blue anything I should worry about?  <response>: Credit limit increases can be out of the blue, and in general its nothing to worry about. 