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In this video, Sebby discusses credit limit increase rules from major issuers, emphasizing maximizing credit card value for cash back and free travel. He clarifies a common confusion from a previous video: if a free credit limit increase is offered with no cost or inquiry, it's advisable to accept it. Whether the increase is automatic or requires a request, it's beneficial to take advantage of it. Sebby notes that while specific situations may warrant caution, most viewers shouldn't be overly concerned about these exceptions. The main takeaway is that free increases are generally advantageous.