Not exactly correct. If you increase your limit but do increase your spending/credit utilization, then it should have at least a small positive impact on your credit score as your credit utilization ratio (credit used as a percentage of total credit available) is one input taken into account when computing a FICO score. With respect to debt-to-income, simply just increasing your credit limit will not change your DTI. The D in the DTI ratio is based on actual debt you have outstanding, not unused credit. Of course if you increase your limit by $10k and then go out and spend the additional $10k in capacity on your credit credit then it will pressure your DTI higher, but simply increasing your limit will not impact DTI.
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