Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Negatives to increased credit card spending limit? [duplicate]
The only drawback is if you spend more than you can with the new limit and end up having to pay interest if you can't pay the balance in full. Other than that, there are no drawbacks to getting a credit increase.  On the flip side, it's actually good for you. It shows that the banks trust you with more credit, and it also decreases your credit utilization ratio (assuming you spend the same).