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Hey WalletHubbers! Today, well talk about if and how requesting a credit limit increase affects your credit score. The short answer is yes, requesting a credit limit increase can hurt your score, but only in the short term. If you ask for a higher credit limit, most issuers will examine your credit history using a so-called hard pull or hard inquiry, which will temporarily lower your credit score. Although hard inquiries will lower your credit score by a few points, they can only affect your score for one year. And after two years, hard inquiries completely drop off of your credit report. The other thing you need to watch out for is overspending. Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. Still, the potential negatives that come with requesting a credit limit increase can be managed and are often outweighed by the benefits of having a h