I'm still a newbie particularly in regards to CCs. I just opened up a new CC, but was only given a $500 CL. I have other CCs with the bank (Chase). Should I call the rep and ask her to switch around the CLs of the other cards I am really not using or should I just close them (to open up available credit)? Also will it cause them to do another hard pull on my credit - so soon after I got one for opening a new CC? Thanks in advance.