How do you lower your credit limit without lowering your overall credit score?

Question by Tim: How do you lower your credit limit without lowering your overall credit score?
I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don’t ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score?

Best answer:

Answer by missoctober003
I say keep the cards open because with a low balance on the card and a high limit it definitely makes your credit look better. Don’t worry about having that much credit in your name unless you plan on purchasing a loan from a bank. You aren’t using the card anyway, right?

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