I have always kept my debt under 3% and I never carry a balance over, so that has never been an issue. The credit limits that companies have approved me for are usually far in excess of anything I need which is why I would prefer to lower my credit limits if it won't affect my score. Plus, it makes it easier (in my opinion) to get approved for new cards. Sooner or later I'm bound to hit some kind of limit with the amount of credit they have extended me. Just my .02