The bank offers me to increase my credit to 5000$ accept or refuse?

The higher the limit, the more you *can* spend using credit.

Whether its a good idea to accept a higher credit limit depends on your level of responsibility. Are you always able to spend only what you can afford to pay off in full when the bills comes? Great. Take the higher limit. Do you make partial payments when the bill comes, or pay the minimum due? Then you're already overspending your income and the higher limit would be a mistake.

Take the limit, spend only what you can pay in full every month. It's not that hard.

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Refuse it.