tumpang tanya

for me la, i never use CC and never will, do you think i need to apply one just for future wanna apply loan or something

truth be told, i just wanna use to buy new phone only atm

Citibank has increased twice for my credit limit
However, my spending is very minimum as usual

Just curious, if the credit limit keep increase but i never utilize, does it affect my ccris or anything negative to my credit score?