I just got an email from Chase offering to raise my credit line by $10K. No inquiry and instant decision. I ended up doing it but I'm now wondering if I should have. Maybe I shouldn't have maxed out the credit they want to give me so I have it available for future applications or is it not a problem because now I have the credit and can just shift it over to open a new card? (I just did an AOR so it won't really make a difference for the immediate future.)