HSN Comenity Bank gave me a $ 400 increase on my card. They gave me an 8-point increase & said that was the reason why. I was thinking that maybe it was something else that caused the increase and it was just reporting it as the $ 400 that caused it, but there haven’t been any other changes. My utilization is still under 10% overall and my HSN card is still at 0% utilization. I thought the banks didn’t care about increases unless it affected utilization. What do you guys think?