YOU ARE ABSOLUTELY CORRECT I HAVE HAD MY ACCOUNT FOR 2 YEARS AND I HAVE ASKED FOR INCREASES WHEN I MAKE PURCHASES ON EBAY ABOVE MY AVAILABLE CREDIT. ONCE IT GOES THROUGH NO IMPACT ON MY CREDIT SCORE THEY EITHER APPROVE ME OR DON'T. MY LIMIT IS INCREASE TO COVER THE AMOUNT REQUESTED. WHEN I PAY OFF MY PURCHASES BEFORE THE 6 MONTHS THEN THE AMOUNT REMAINS AT THAT LIMIT. I KNOW WHEN I AM DECLINED ITS BASED ON MY OTHER ACCOUNTS AND HOW MUCH I AM USING SO YOUR CHANCES OF GETTING APPROVED IS BASED ON YOUR OVERALL CREDIT USAGE. BUT I GUESS IF YOU PAY IT OFF IN FULL THEY ARE KNOWN TO GIVE AUTOMATIC INCREASES WITHOUT REQUESTS.
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