I am familiar with that thread. Relatively few people are still churning Citi Exec and the operative word in that sentence was regularly. Obviously there are specific deals where you may modify strategy. In any event, I specifically noted that few are likely to have experience with Capital One because they don't have that many competing offers. Typically when people ask to reduce credit lines it is because they are worried that they are approaching the max that a particular issuer will extend. The OP just seems to lower lines as a prophylactic.