The relation between your credit card limits and credit score is actually more interdependent.  Your credit score utilization is found by dividing your current balances by your limits.  The lower the percent, the better for your credit score.  Individuals with excellent credit scores are found to be below 30%.

So a rise in your credit limit will cause your utilization to go down and could potentially improve your credit score.  A common method of making this happen would be to ask for your credit cards to increase your limits.  This is usually better than applying for new credit because it will lack the application process.

But we need to consider what is the hidden reason why you want an extension of your credit limits? This is the opposite scenario.  You are close to your limits or have a high utilization than you like and want to lower it.  A simple and quick way you think is to ask for your credit card limits to be increased.  This is scary in the prospect you need control not more credit that you can get your hands on.  Also, the success you will have with this strategy depends on your financial health, but you should assume the success rate to be low.

The idea comes back to if you don’t need to credit don’t apply for it.  The individuals that are good, excellent or even have a perfect credit score don’t ask for credit unless they need it.   They use what they have responsibly or not at all.

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