<prompt> Human: Without requesting one, my credit card company emailed me to let me know they have automatically increased my credit limit by nearly 40. This is a good thing -- assuming all else is unchanged, an increased credit limit would decrease your credit utilization rate, having a positive impact on your credit score. But the email included instructions for people who dont want the increase. Presumably they wouldnt have put it there if they didnt get questions about it. So is there something Im missing?  <response>: When u have no self control and youve already maxed out ur CC. 