Any benefit to reducing total limits?

[SouthJamaica]

Now that I have "enough" available credit, I would still like to convert some of the credit which is less useful to me into the kind of credit I find more useful, namely credit union platinum non-rewards cards, and personal lines of credit.

Will I benefit from preemptively closing or reducing limits on the less useful accounts?

[Anonymous]

It could if your current total limits/exposure coud potentially be the constraint to approval/growth of the products that you desire.  Whether or not that is the case would no doubt be lender-specific and almost impossible to determine under most circumstances.

[NRB525]

You may benefit by reducing total limits with a bank / CU when you intend to app other cards, but even that is bank-specific.

Your FICO score will not be affected unless aggregate utilization is affected.