Lowering Credit Card Limit?
My credit score is a bit lower than I would like it to be, and I'm trying to find ways to raise it (we're hoping to refinance our mortgage sometime in the next year, and we're going to need the best score possible, I imagine).
I have one credit card that has a pretty high credit limit on it -- something like $50,000 on it. They keep raising the limit on it without my asking them to. If I call them and ask them to lower it to something like $15k, will that have any affect on my credit score?