@sharesbyshreya: I used to think accepting credit limit increases was a trap. And honestly, it is if you start spending more because of it. But if you’re disciplined and keep your spending the same, it can actually help your credit score by lowering your utilization.
You can always pay it down before the statement date though, I think more people gotta start doing that rather than just paying it a few days before the due date.
2026-04-26 17:00:43
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Harpreet Mahal :
Having too much credit limit is also bad, no, as Lenders may see high available credit as a risk.
2026-04-11 05:20:16
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