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<p>I have a credit card with a balance.  I am not using the card at all and just working on paying it off.  I've had the card for 7 years and it is the only cc I have.  That being said, they keep raising my credit limit.  I just got an email that they have raised it another 2200 dollars!  How does this affect my credit and such?  Is it good, that I have X amount of credit available to me and I am only using x of it? Or is it bad in that I am only using x amount but if have X to take should I feel like it?  I am going to be getting a small car loan in the future and I don't want to have a super bad debt to credit ratio. So, I guess what I am wondering is how is having a higher credit limit going to affect by ability to borrow in the future?</p>
 

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<p>It's a better thing; If you have "X" amount of credit but are only utilizing "x" amount that shows that you can manage your credit and not run up the entir balance.</p>
 
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