I do not use my Capital One credit card because the limit is so small, that it is not worth my while. My limit with Cap 1 is $12.5k. With Amex, Fidelity etc $25k. Sams Master Card $35k and UNFCU Visa is $45k. The funniest part is I have a balance of almost 6 figure amount with Capital One. Capital one has the industry worst ability to price risk. As a former junk/sub-prime lender, that is their constituency.

So why in the world would you want to decrease your credit limit. It is up to you how much of the limit you want to use. I am not getting your point here.