7. You Ask For a Higher Credit Limit
Even though your credit card issuer checked your credit when you applied for your card, it will likely check it again if you ask for a higher credit limit. This could be reported as a credit inquiry, which could affect your score, said Gerri Detweiler, a credit expert and education director for Nav, which helps business owners manage their credit.
How to avoid it: If at all possible, try to spend well within your current credit limit. That way, you won’t put your credit at risk.
How to fix it: This doesn’t mean you shouldn’t ask for a higher limit — especially if you’re responsible with credit and don’t plan to charge your card to the max. But you should think twice about doing so before applying for a mortgage or other loan.
