Hi there...I'm brand new on here! Got my credit card in December. ..love it but I'm a bit puzzled. I'm thinking of declining the increase I've been offered and tried to go online to decline. The letter I got said it wouldn't affect the way I was treated in future but on the app it says any future increase might not be offered unless I'm in the wrong place as I'm not very tech savvy....any advice or help? If I decline now will I be looked on less favourable?