At times, the limit on the credit card is not adequate and gets exhausted before the month end. You can get the credit card limit increased or use another credit card for making purchases for the rest of the month.
If a credit card holder wants the credit card limit increased, he or she will be asked by the bank to fill up a form requesting a limit increase and also provide additional documents like recent payslips and bank statement. If you have a good repayment history on your credit card, your application for an increased limit will be approved.
The credit card issuer will check your credit records before approving your application. However, this enquiry will not usually show on your credit file as your bank is an existing creditor.
You authorize them when you open the account, so they cannot penalize you because an existing creditor wants to make some inquiries each time.