I am not a financial guru so hopefully someone will correct me if I’m wrong about this, but your credit score is affected positively the more available credit you have. So by voluntarily lowering your available credit, you’re actually hurting yourself way more than the card companies. At least I think that’s how it works, or rather one of many factors.

I just finished the third book in a trilogy that I thought was kind of mediocre. But I thought the first book was good; it’s just that the last two didn’t live up to it. The ending was okay, but the middle was a mess. Wish I’d just read a summary now but whatever, it’s behind me.