When you live off the money in your credit card, you use the credit card to purchase a lot of things. In that manner, with a noticeable increase in the credit limit for your credit card, you would also be able to take on conscious spending, which is basically the excessive amount of money that you can actually use in order to purchase new products. By living with the money from the credit card, you also ensure that you are never short of cash, and you do not have any problems in paying back the money taken from the credit card within the regular time interval.
However, when you enquire about the increase in the credit card limit (Inquiry Removal), there is going to be a credit inquiry in your credit report about it. It is not harmful, particularly if it is done over a certain period of time. Most of the time, if your repayment capacity is good and all the repayments that have been made to the credit card is done properly and within time, you would not have any problems in getting a noticeable increase in your credit spending limit.
Yet, when you find that there are a lot of unnecessary credit inquiries which are done against your credit report, the same financial institutions that might have given you the credit card would withhold increasing the credit limit of your credit card. This is because they feel that you might not be able to have the necessary financial support in order to repay the money that you are now spending with your credit card. Over time, this is going to manifest into a very bad record against your credit report, and will be able to create a roadblock when you go for taking some of the biggest loans against your name, which is basically the home loan.
So, make it a point to look into the different kinds of credit inquiry which is made in your credit report and ask these agencies for authorization by challenging them about it. You would find that most of these enquiries have been done by simply looking at your name and vital information and it does not have any authorization whatsoever. You would be able to easily pull down these credit enquiries against your name, and it would not create any kind of problems whatsoever. Once you have a paper trail pertaining to the removal of these credit enquiries, your credit report will bounce back.