Tip # 2 will likely lower your score, at least initially. That's because it is considered a "Hard Inquiry," which "dings" your credit. Whether or not that is outweighed by the increase in limit (and possible subsequent decrease in Debt-to-Credit Ratio used for revolving debt trade lines) is an important consideration that I urge you to definitely edit the content to disclose this, due to the fact that Tip #2 can be considered misleading without this important point.