My FICO scores are 645/648. I investigated obtaining another credit card just to increase my total credit limit, which would reduce my debt to credit ratio; however, the only card that would consider me had a 23.9% interest rate (I did not submit the app after seeing that.) Afterwards, it occurred to me that since I have no intention of using the card in the first place, the high interest rate issue is moot. Would taking this step increase my FICO score?, or would the increase be so insignificant as to not be worth the effort? I believe the credit increase would be between $2-3K.