<prompt> Human: I was just offered to increase my limit on a Nordstroms credit card from 6300 to 10k and I was wondering if thats a good thing to do because it increases utilization or if there are other negative consequences that outweigh the benefits? Debt aside, can this actually hurt your credit score? Do you guys say yes when its offered or decline?  <response>: Utilization is your percent of max. I would accept it, but dont think you need to buy more. 