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How to Avoid Credit Card Pitfalls You don't need to let credit cards rule your life. Here are five simple ways to avoid the common pitfalls that people experience with credit cards, and how to get out of those pitfalls if you've already fallen in. How Do You Ask For a Credit Card Limit Increase? The most important thing you can do to get a higher credit card limit is to prove to the bank that you are worthy of an increase. Here are four tips to help increase your chances of being approved for a credit limit increase by showing what a good borrower you are.