will a decrease of credit line hurt my credit score?

Submitted by Anonymous (not verified) on Mon, 09/28/2009 - 17:09

I have a credit card which has a credit line of $15,000, and recently it automatically changed to 25,000, after i had a balance of around $5000. I had paid off the $5000 on time. As I do not need big credit line of $25,000, i am wondering if i should call to decrease the credit line to $15,000, but will that hurt my credit score? Thank you for your kindly reply i advance! :)

Hi Angela

Yes, a drop in your limit will hurt your score. Since you are wise enough to understand that you don't need a huge limit as this, I would suggest that you let it be and use your card up to the limit that you want. Credit card companies want you to make more purchases on their card which is why they increase your limit. But it is you who will ultimately pay off the debt. So, use it wisely. Stay away from purchases that you cannot afford to pay back. You can still have a big credit line and also not hurt your score. In fact, you may be doing your credit report some more good by being on time with your payments :)

Tue, 09/29/2009 - 06:33 Permalink

Closing a credit card does not ALWAYS hurt your credit score. It can actually help you qualify for a mortgage or other loan that has an in-depth underwriting process.

Closing a card will reduce your available credit. If you have 40% utilization, that may go up to 80%. But if you have 0-10% utilization, that won't go above 20%. Zero to 20% utilization is the zone to be in because it tells potential creditors you use credit responsibly

Mon, 10/05/2009 - 14:36 Permalink

Closing a card means that you no longer have that credit available. Mortgage processors and underwriters look at not just the total utilization but exactly how high your limits are. Read another way: they look to see how much trouble you can get yourself in. Someone with $100k of revolving headroom has the potential to get in a lot more trouble than someone with only $15k.

Not every bank operates this way, but there are loads who do, especially in this credit market.

Mon, 10/05/2009 - 14:36 Permalink
marie (not verified)

Well. I really wont care if my credit score got hurt a little. Because think of it this way if a theft got a hold of that card with that kind of a limit. You would be in a lot of hurt. I would either get them to go down on my card limit or close the account and open a new one with a small balance. Also to try to get one with a low APR because if your paying off over time you dont want to pay a whole lot of interset.

Mon, 10/26/2009 - 00:56 Permalink

Hi Angela,

I believe I would call and just get them to reduce the credit limit I would not close it because your score is also calculated on credit history. And it being an account in good standing I would not close it. I not saying it won't affect your score because it probably will. But I wouldn't close it. Just my two cents.

Mon, 10/26/2009 - 01:15 Permalink

Requesting a balance reduction could very well hurt your rating, agreed. But also to consider, you should never exceed 50% of what your available limit is as that too will drop your score per account. It sounds like you're already handling your credit debts very well so kudos on that too.

Be well.

Wed, 10/28/2009 - 19:59 Permalink

Hi, I wondered about this too at one point because I got into a pretty bad disagreement with BestBuy and my credit card billing statements with them. They never sent me my bills EVER. They constantly told me they would. I would send random payments because I never knew when they were due or how much my payments were. It got to the point where I canceled the card all together because I didnt want to deal with service like that.

Because of that ordeal, I have a credit line loan thingy that dropped my available balance because of the whole thing & it did decrease my credit score. I would say that it would hurt your credit. At the same time, if you don't need it...you shouldnt use it. Therefore, I personally would let it be. It leaves your "available balances vs used credit" good..

Tue, 11/03/2009 - 19:11 Permalink

Well if you think about it, your credit score is based on your available credit and your credit/debt ratio, so if you request it be lowered then naturally your credit score will fall.

Tue, 11/03/2009 - 19:41 Permalink

Yeah, thats what I was saying too. But like everyone else said, it also makes you look bad because you "could get yourself into trouble". I think thats kinda strange because you are managing your debt fine by NOT using it all up & somehow that looks bad on you.

Either way, decreasing or leaving be, could be bad. I suppose it is just a matter of personal preference. I would leave it though

Tue, 11/03/2009 - 19:44 Permalink
CreditDiva1 (not verified)

People die for high available limits. Nothing says you have to use it up to the limit, but you have it. I learned years ago that you should have credit limits that equals out to the dollar amount of your debt. For instance, if the balance of your car loan reporting in your credit report is $7000, the balance of your mortgage is $50,000, the balance on a credit card is $600, balance on your student loan is $5000, then your total debt is
$62,600. So you should have enough available credit reporting in your credit files that total to more than the $62,600. So, your available credit is a big factor in your credit score. Even if you never use the total available credit line to the max, the factor is you have that dollar point in available credit. Available credit should be the dollar amount or more of your debt.

Sat, 02/23/2013 - 14:23 Permalink
matzcrorkz (not verified)

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Wed, 08/06/2014 - 04:06 Permalink
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Wed, 08/06/2014 - 06:26 Permalink

Lowering your credit card limit can have a negative impact on your credit score. A large portion of your score is comprised of your credit utilization percentage. This is the ratio of debt you are carrying compared to the amount of credit you have available. If you lower the limit, the percentage is going to increase.

As an example, let's say you have three credit cards, each with a $2,000 credit limit. You have spent $500 on each card. $1,500 out of the total $6,000 available means that you have a credit utilization of 25%. If you lower the limit on each card to $500, you end up using $1,500 out of a possible $4,500. That makes your credit utilization 33%.

Ideally, you want to keep your credit utilization at 30% or lower. Anything beyond that will start to decrease your credit score.

Tue, 08/12/2014 - 07:39 Permalink
creditrepairqueen (not verified)

Yes, decreasing your credit limit will definitely hurt your credit score because your credit card utilization determines 30% of your score. So if you decrease your limit and your balance is not below 20% of your limit, you're bound to witness a severe drop in your credit scores.

Focus on just using the amount of credit you need and not what you have. The lower your balance and the higher your limit, the better scores you will have.

Let me know if this makes sense.

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Thu, 12/05/2019 - 17:42 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Sun, 12/15/2019 - 15:09 Permalink
Renee douglas (not verified)

THE GREAT CREDIT REPAIRER!!!! I will forever and always appreciate your good work, All glory to this credit repairer who saved my life from the pit of hell , Life became so hard for me after I lost my husband, it was so unbearable for me, I was in big debt , my house, my car , everything I and my husband worked so hard for was taken away from me , I battled with this for years and I thought I was never going to get out of this debt I got myself into . On a Saturday morning , I was surfing through the internet then I found this credit repair site where I saw so many testimonies about this great credit repairer CREDITSAVIOR144(at)GMAIL(dot)COM, I followed every procedures he asked of me and he worked on my credit score within the maximum of 72hours without delay or stress. All thanks to Brian , I’ve finally got the perfect solution to any credit issue with low credit score , background check, evictions, credit history and late pays.I’m so happy to have an excellent FICO score of 826 and I’m so happy to recommend him to you all .

Sun, 12/22/2019 - 08:51 Permalink