Simple Credit Question

[bfd1211]

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Possibly. For example, if you have a card with a $10k limit but carry a balance of $5k, your limit-to-balance ratio is 50%. If you have them drop your limit to $5k (with the same balance) then your ratio rises to 100% usage & affects your score. That's a pretty elementary example but you get the point.

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But if you are one who carries zero balance and just believe they have over extended credit to you there would be no harm in having them drop the limit?

[Brad1970]

Nah, probably not.