<prompt> Human: I was on my banks website paying my credit card bill when a button that said request a limit increase caught my eye. I clicked it and filled out the information mainly on a whim just to see what would happen. 30 seconds later, my credit limit gets increased 8x what it was before. I didnt really think anything about it until today. I know credit utilization plays into your FICO score and the FAQ says you want to keep it below 30 of the limit. Can your score be hurt by not charging enough on the card? There is no way I would be able to afford charging up to 30 of the balance every month.  <response>: The increase will only help your utilization. You probably got a hard inquiry, but really dont worry about it. 