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In this video, Sebby discusses the credit limit increase rules from major credit issuers, emphasizing strategies to maximize credit card value, including cash back and free travel. He clarifies a point from the previous video about free credit limit increases, stating that if no cost or inquiry is involved, it's beneficial to accept or request the increase. While he acknowledges specific scenarios where caution may be necessary, he reassures viewers that most people shouldn’t be concerned about them. The focus is on taking advantage of free credit limit increases to improve credit utilization without incurring additional costs or hard inquiries.
