Is it true that getting more credit line on your credit card takes away from overall avalible credit?

How would getting “more” credit take away from “available” credit?

Don’t you think getting “more” credit ADDS to “available” credit?

A loan ADDS to available credit but also subtracts as a loan is money given to you – therefore, the available credit is used up by that amount.

A credit card with a credit line ADDS to available credit – but subtracts from available credit by any amount used on it.

Available credit is the total amount you’re granted. If a credit card raises your credit line, they are increasing the amount that you’re granted. It’s not like the amount of credit you could get is set by some agency, it’s whatever the companies that offer it to you think that you can pay back.

You only take away from overall available credit when you use it by spending money.