Huh, I just got denied an increase in credit limit. (Which I only applied for because they sent a message saying I was eligible to request one, and it wasn't automatic, I had to fill out a form first...)

Either way, I use my credit card exactly the same as a debit card, not spending money if I can't pay it off at the end of the month. The main difference is that it has better protection/reimbursement if you lose the card (or if a thief just gets access to the numbers).