What is Dillard's policy on increases? And, what is a good limit for a department store card to help with the FICO rating - does the limit mean anything? Dillards reopened my account that I closed and paid off before my bk. My limit now is $500 but the rep was mum about the potential credit line increases every 91 days, saying that a soft credit check is done and the line increaes would be based on credit scores. Mine is 582. Any help appreciated.