No - you’re not - we don’t run one if you’re changing your limit - only when activating for the first time.
…i just looked in the app and agree this is a bit confusing 
I’ll see if we can get it changed next week for the “change limit” flow. Thanks for flagging - since it’s part of the credit agreement which gets re-used across both the “new limit” and 'change limit" flows it probably got overlooked.
Also nice to see that greater than zero people read the credit agreement 