Quote Originally Posted by Irving View Post
As you're paying off debt, also try to raise your limits at the same time. This way you're working in both directions at once. You may only be able to pay down a couple hundred in principle a month, but if you double your limit on a few cards, that's usually a much bigger change. I would call, or go online, and ask for double whatever my limit was, every six months, until they stopped giving it to me.
That's a really good idea. I was lowering it thinking it being beneficial but I did read that bad credit scores have a lot to do with credit cards and people being close to max out.