<p>S&P, there’s a distinction between a card issuer raising your credit limit and what your credit score (FICO) is. </p>
<p>But a bingo to what you said about shopping for APR. D’s bank has a pretty reasonable APR for a student card but it’s tied to her a) opening a savings account when she applied for the card and b) having regular monthly automatic deductions from checking to savings. Since this is a good habit to get into, it was not a problem as a condition.</p>