Should I *request* a credit limit increase?

Credit

I've had my Tangering MC for like 5 years and have ignored all credit limit increase offers because I've just never needed more than I have. I can't remember the last time I got an offer but might want to take advantage of lower utilization soon. Will requesting a credit limit increase require a hard pull/inquiry and have a negative effect? Can it be seen as risky or a red flag by the bank, or does it have the same positive effect as accepting an offered credit limit increase?

Thanks!

Posted Aug 27, 2026, 12:56 PM UTC · locked

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