Lets simplify this:
You have a visa card with a max limit that you have met. You are only able to make the minimum payment every month because your income is not great enough to pay more. But, you really really really want that new bobble. You call visa and ask to raise your limit. The nice person at the other end of the phone says Sure, no problem. (your are already on a payment plan that will take you 450 months to pay off your card paying minimum, what is another 50 months or so). Your get your bobble, and you are happy. You are still making the miminum monthly payments to keep the bank happy, and your credit score goes down because your debt to income ratio is lower, but you got that bobble.
All is well and good until you need that next bobble, or your income drops. Whoops, can't pay something…….Who goes without? Which bill is not paid, or do you try to get your credit limit increased again to pay the bills that you have incurred? What would the fiscally proficient occupier do?