Credit Card???

[Anonymous]

if i ask to lower my credit limit in my credit card can afect my credit???

[score_building]

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@Anonymous wrote:
if i ask to lower my credit limit in my credit card can afect my credit???

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yes, having less available credit can impact your score negatively.

what is it that you want to achieve by lowering your limit?

[Anonymous]

I do not want to have much credit open,so i can`t fill them again 

[Anonymous]

Probably to keep from overspending.  Put that baby in a cup of water in the freezer, should help.  And of course put one of your reoccuring bills on it so that it doesnt close due to inactivity!  Apply for a capital one card, your almost guaranteed a low limit lol.

[oracles]

Hi Me001 and welcome to the forums

Reducing your available credit will definitely hurt your score unless you do not have any balances on your cards.

It will affect your util% by increasing it and thus lowering your score.

Also, you don't want to cut your available credit just in case of an emergency.

Put your cards in a drawer and only rotate them once every 3 months to keep it active.

You can also put a recurring charge on it to avoid inactivity.

Do not lower your credit limits.

Hope this helps

[Anonymous]

Thanks