I think my credit card limits are too high on my 2 credit cards,
Credit card A limit is $8000.00 and I have a $0.00 balance
Credit card B limit is $14,000.00 with a balance of about $500.00
Even though I have almost no balance I think these 2 cards limits are too highr and causing me fico problems, I don't understand why though but I know I should lower the limit to improve my score BUT HOW MUCH SHOULD I LOWER THE CREDIT LIMITS TOO?