Hope everybody is doing well Citi automatically upgraded my credit card limit from $8000 to $20000 and I told them to bring it back to $8000 as I don't want to take any risks associated with card getting lost, etc even though most card companies help you with My normal monthly credit card usage is $2000. Now, I know credit score takes into account debt/credit limit % so currently, I'm hitting 2000/8000 = 25%. If I let Citi take my limit to $20,000, will it improve my credit score? In other words, will a debt to credit limit ratio of 10% or 1% really make a difference vs 25% Also, on my FICO credit report, it shows a red color in 'length of credit history'. What's a good length? I've only had credit cards for 5 years now. When can I expect a 'good' status next to my length of credit history? Than you all