He rarely uses the card. He got me a card on this account and I use it for some thing but we usually pay it all off and maybe one time had a high balance owed of about $500 which we paid off in two or three payments. He asked the rep if requesting an increase would cause them to do a hard inquiry or was his perfect history all these years sufficient. He was told that they'd do a hard inquiry. The rep then asked if he was considering making a large purchase or something and that was why he was asking for the increase. He said no, he was only considering asking for an increase because if we at some point apply for a mortgage or something it might look odd that someone with such a lengthy perfect history only has a $1,000 limit on their Visa card. The rep said that nothing could be further from the truth and the limit only points out that we don't use much credit and pay what we do use in a timely way. He said the only reason to ask for an increase would be if he wanted to make a purchase. I've seen lots of posts here regarding limits being too low and wondered what you all think of this rep's point of view. He decided not to try for the increase. He doesn't want a hard inquiry at this time and honestly wouldn't use the extra credit anyway. Thoughts?