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In this tutorial, the speaker discusses effective steps to significantly increase your credit limit, which can enhance spending capacity, improve credit scores, and secure better mortgage and loan rates. The speaker shares personal experience from a five-year credit journey in the US, achieving over $94,000 in credit across six cards, with limits ranging from $6,000 to $30,000 and a credit score in the high 700s. Emphasis is placed on understanding five key factors that contribute to your credit score, highlighting their importance in obtaining higher credit limits and benefiting various aspects of financial life. The tutorial includes a live request for a credit limit increase on one card.