Accredited Debt Relief breaks down how credit card limits are set, risks, benefits and how to manage them wisely. A higher credit limit can support your credit score only when spending stays the same, since lower credit utilization tends to be viewed more favorably by lenders. Benefits of a Higher Credit LimitA higher credit limit can help your credit score on paper by lowering your credit utilization — as long as your spending doesn’t increase. 3 Tips To Manage Credit Limits WiselyThese strategies can help you manage your credit card limits. Opt Out of Automatic Credit Limit IncreasesSome banks raise your credit card limit automatically.