I do think there are other factors at play here, they wanted to up limits before comprehensive reporting comes inn(because if your loans are large, the chances of other banks lending decrease and helps mitigate against switching), they knew that plans to degrade benefits were in the wings and wanted to bump up limits to compensate, etc.Interestingly though, I already had a limit > 30K last year when they offered the 50% increase, so perhaps one was not linked with the other.