You’ve just been approved for a new credit card — congratulations! There’s only one problem: Your credit limit is a fraction of what you’d like. Here’s what you should know. Read Next: 5 Subtly Genius ...

A couple times a year, I try to bump up the credit limits on a few of my cards. Not because I want to spend more, but because it helps keep my credit utilization ratio low. That, in turn, boosts my ...