Thanks for the thoughtful responses. I like to think of myself as an informed person and I dislike being surprised. With my long credit history and no need for credit purchases in the foreseeable future it should be fine. Now I have a better idea what to expect and what I can reasonably do and still keep my credit score at the high level that is acceptable to me.

The other thing that surprised me was just how high the credit limits were. No wonder people get themselves in trouble, but that is a discussion for another thread.