The overarching theme we convey to our staff is to do what's right for the client. So first of all, CSRs do not have sales targets. Our tellers do not have sales targets, and they don't make the decision on whether somebody has a credit limit increase.
In our case, it's generally based on consumer behaviour and consumer buying habits. If somebody is constantly running up at the limit of their credit card, our CSRs would be coached to ask them if they would be interested in discussing an increase in their credit line. If so, then we would process that.