Comment by hamburglar

My advice is to ask yourself how important your credit limit is, and ask yourself why. And challenge the notion that a better credit score has any positive impact on your life. You have a whole chain of “truths” you take for granted: higher limit implies lower utilization. Lower utilization implies better credit score. Better credit score implies better mortgage rates. Better mortgage rates implies better something. What I’m trying to tell you is you can forget every single bit of that dependency chain without doing yourself any damage and you will actually feel better.

Sorry for the proselytizing. I know I’m doing it. But I think it’s a huge part of our consumerism addiction.