As a valued customer, we wanted to let you know that we're planning to increase your credit limit from £5500 to £9000 on 1 December 2016.
Your credit limit will update automatically unless...
(it is easy to log in and reject this, and actually I see there is an option to "Reject all future credit limit increases")
I don't need this, and I wont be able to use it to stooz with as although the limit has gone up, there won't be a good introductory deal to go with it, so if the total I have available to borrow increases, will that harm my credit score...?
To banks etc, does it look better that I have....
a) Lots of available credit and I'm not using it...
or
b) My available credit is a senisble proprtion of my income....?