<prompt> Human: I currently have two credit cards in my name with an owing balance of around 8000. Im paying a lot in interest on one of the cards one owing about 5500. I know, I know. Young and dumb...Im now becoming more financially responsible and have a budget that has every dollar accounted for. At the moment it will take me approximately 46 weeks to pay off all of the debt including 2000 on my car loan, but not including the interest Ill be paying.. Im not sure how to work that. I was wondering if there was something that I can do to reduce the amount of interest Im paying and not hurt my credit score too badly? Im already down to a score of 659.. It feels as if Im never going to get on top of it. Assistant: As long as you havent missed a payment, your credit score will rise as you pay the balance down. Its dropping because your utilization rate is high. Human: Thats a relief. Should I lower my credit limit as I pay more off? Or will this result in having a high utilisation again?  <response>: If you can control your spending, Id leave the credit limit the same or even ask for it to be raised. This way your credit utilization continues to drop and your score will eventually be back to normal. 