# Credit card is offering to raise limit
**URL:** https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799
**Category:** Credit Cards
**Created:** [November 10, 2023, 12:41am UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799 "2023-11-10T00:41:35Z")
**Posts on this page:** 9
**Page:** 1
### Author:  [@lisa5678](https://community.clark.com/u/lisa5678)
#### Post date: [November 10, 2023, 12:41am UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/1 "2023-11-10T00:41:35Z")
Are there situations where you wouldn’t or shouldn’t get a higher credit limit on your credit card?
My daughter’s oldest credit card is offering to raise her limit from $2500 to $5000. She recently got a 2nd credit card with $5000 limit. She travels quite a bit, has to front the money, and wait to get reimbursed. She always pays the bills ahead of the deadline and has great credit. I can’t think of any reason to not get the higher limit.
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### Author:  [@butler](https://community.clark.com/u/butler)
#### Post date: [November 10, 2023, 3:53am UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/2 "2023-11-10T03:53:33Z")
I cannot think of a reason to decline it. It will help her credit score every month by decreasing her usage ratio (assuming her spending level remains the same).
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### Author:  [@rjratnip](https://community.clark.com/u/rjratnip)
#### Post date: [November 10, 2023, 2:22pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/3 "2023-11-10T14:22:07Z")
> [@lisa5678](#):
>
> She travels quite a bit, has to front the money, and wait to get reimbursed.
Assuming the travel is for her employer, this isn’t good. I hope she’s confident her company will reimburse her in a timely fashion. I’ve heard stories where companies have gone out of business and left their employees with unreimbursed travel expenses.
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### Author:  [@NancyM](https://community.clark.com/u/NancyM)
#### Post date: [November 10, 2023, 2:40pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/4 "2023-11-10T14:40:28Z")
I don’t know if this is valid, but I kept my credit limits lower because of possible theft. So when I was offered large credit increases, I declined them. But that’s me…
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### Author:  [@Joseph](https://community.clark.com/u/Joseph)
#### Post date: [November 10, 2023, 5:11pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/5 "2023-11-10T17:11:10Z")
I have a lower credit limit on my one card, for that exact reason, and I also don’t use the card much except for automatic payments
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### Author:  [@p1g1](https://community.clark.com/u/p1g1)
#### Post date: [November 10, 2023, 7:39pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/6 "2023-11-10T19:39:16Z")
For someone who uses credit responsibly, the advantages of a higher credit score outweigh the possible disadvantage that have been mentioned in the comments. Credit scores can also be a factor in some housing, insurance and employment decisions.
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### Author:  [@OU812](https://community.clark.com/u/OU812)
#### Post date: [November 11, 2023, 1:30am UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/7 "2023-11-11T01:30:37Z")
- Regulations state that an individual is limited to just $50 in the event of credit card fraud, but the theft must be reported and the correct steps undertaken.
[Who Is Liable for Credit Card Fraud?](https://www.investopedia.com/ask/answers/09/stolen-credit-card.asp)
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### Author:  [@lisa5678](https://community.clark.com/u/lisa5678)
#### Post date: [November 11, 2023, 11:06pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/9 "2023-11-11T23:06:28Z")
Thanks for all the replies. Looks like raising the limit will be good for her.
We haven’t had to pay any money when we’ve found fraudulent purchases on our cards (twice). Maybe because we still had the card, and it was never lost or stolen?
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### Author:  [@Sally\_TeamClark](https://community.clark.com/u/Sally_TeamClark)
#### Post date: [March 21, 2025, 5:26pm UTC](https://community.clark.com/t/credit-card-is-offering-to-raise-limit/3799/10 "2025-03-21T17:26:41Z")