I've been at this game for a few years but here I am with a noob question! For the most part I have focused on MS. Now that I'm acquiring more cards I'm starting to look at my total credit limit across all banks. Is there a point in which you should look to lower your limits? While I understand a healthy CL is good for your utilization, at what point do banks start to look at the total credit extended to you across ALL banks when applying for new cards?
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