Originally Posted by
patpatpatme
...when i close the account it will have a large impact on my credit score since there was a higher limit...
I don't follow the reasoning.
Let's say your aggregate credit limits are $100,000 and you receive a pair of unsolicited increases to $110,000. If you rollback those increases it will have exactly the same impact on your Utilization as if you had closed an account with a $10,000 limit. There may be good reasons to decline an increased limit, but it won't change the effect of closing those accounts.