yes. having more credit is a good thing. and no, you’re not being set up. they only increase your line IF you have good credit and make your payments. if you’re unable to say, make your limit of $500 credit card payments they are not increasing you - but if you are, they will. and this is a good thing for having a good credit score in the future. if you need a loan or a mortgage in the future, this type of credit history will help.