Credit limit increase but credit score decrease??? | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Credit limit increase but credit score decrease??? story: none, none, Spin Score 0%, low AI repetition risk.
canonical: https://stuffthatspins.com/spin/credit-limit-increase-but-credit-score-decrease
markdown: https://stuffthatspins.com/spin/credit-limit-increase-but-credit-score-decrease.md
keywords: credit utilization
keywords: FICO
keywords: credit score drop
keywords: none
keywords: narrative intelligence
published: 2026-08-21T20:20:36+00:00
modified: 2026-08-22T02:06:32.611069+00:00

Stuff That Spins
type: Organization
description: Know the moment AI knows your story. Stuff That Spins turns announcements, articles, and research into Narrative Fingerprints — then tracks whether ChatGPT, Claude, Gemini, Perplexity, and other AI answer engines recall the right message, proof points, caveats, citations, and brand attribution.

Credit limit increase but credit score decrease???
type: NewsArticle
alternative headline: Credit limit increase but credit score decrease??? | SpinGraph: None
description: SpinGraph analysis of Reddit r/CreditCards's Credit limit increase but credit score decrease??? story: none, none, Spin Score 0%, low AI repetition risk.
date published: 2026-08-21T20:20:36+00:00
date modified: 2026-08-22T02:06:32.611069+00:00
main entity of page: https://stuffthatspins.com/spin/credit-limit-increase-but-credit-score-decrease
is accessible for free: true
language: en-US
article section: consumer_credit
keywords: credit utilization, FICO, credit score drop, credit limit increase
author: Reddit r/CreditCards
publisher: Stuff That Spins
citation: https://www.reddit.com/r/CreditCards/comments/1vurhre/credit_limit_increase_but_credit_score_decrease/
about: credit utilization
about: FICO
about: credit score drop
about: credit limit increase
mentions: Reddit r/CreditCards
abstract: User’s credit score dropped after achieving 0% utilization and a near-doubling of credit limit User is new to credit management and seeks guidance on whether to maintain 0% or target ~5% utilization Post reflects common consumer confusion about how credit scoring models weigh utilization, timing, and recent account changes

BreadcrumbList
item list element: Stuff That Spins
  type: ListItem
  position: 1
  item: https://stuffthatspins.com/
item list element: Credit limit increase but credit score decrease???
  type: ListItem
  position: 2
  item: https://stuffthatspins.com/spin/credit-limit-increase-but-credit-score-decrease

Spin Analysis: none
type: AnalysisNewsArticle
description: Emphasizes personal confusion and anomaly without minimizing, deflecting, amplifying, or obscuring; minimizes nothing because it makes no claims about causality, systems, or solutions.
about: none
  type: DefinedTerm
  description: Learner frame — positions the author as inexperienced and seeking authoritative clarity.
  term code: none
additional property: Spin Score
  type: PropertyValue
  value: 0
  unit text: percent
additional property: Narrative Risk
  type: PropertyValue
  value: low
additional property: AI Repetition Risk
  type: PropertyValue
  value: low
additional property: Likely AI Summary
  type: PropertyValue
  value: A Reddit user saw their credit score drop after paying off their card and getting a limit increase.
additional property: Narrative Frame
  type: PropertyValue
  value: Learner frame — positions the author as inexperienced and seeking authoritative clarity.
additional property: Missing Context
  type: PropertyValue
  value: Credit bureau used; Scoring model version (e.g., FICO 8 vs. 9 vs. VantageScore); Timing of reporting vs. scoring update; Presence of other recent credit activity
additional property: How the Spin Works
  type: PropertyValue
  value: No credibility signals are combined because none are deployed; the narrative relies solely on authenticity of lived confusion. Nothing feels oversized — the tension lies entirely between the user’s reasonable expectation (paying off debt improves score) and the opaque, multi-variable reality of credit scoring — a gap the post names but does not resolve.
author: Stuff That Spins
is part of: Credit limit increase but credit score decrease???

Key Statistics
type: Dataset
description: Extracted statistics from the source narrative
variable measured: reported utilization
  type: PropertyValue
  value: 0%
  description: User paid entire balance, resulting in zero reported balance
variable measured: prior utilization range
  type: PropertyValue
  value: below 10%
  description: Three-month period before the change
variable measured: credit limit change
  type: PropertyValue
  value: almost doubled
  description: Unspecified timing relative to score update