<prompt> Human: Next month I will be taking a new job in a new state. After getting myself set I plan to buy a newer car, probably 2-3 years old. I am not going to go crazy, probably something in the 20k range. I do not have 20k laying around and my car current car is nowhere close to that in worth whether it be a trade-in or private sale so I will most likely get a loan.My credit score is good, high 700s, but my credit used is low. I have no college debt and only 2 credit cards. My first credit I got was 10 years ago and the limit is 2000 which I use for 750-1000 a month and always pay it off. My other credit card I got 3 years ago started with a limit of 6000; I use this for renewals, internet purchases, and unexpected large purchases. Most months I put 500 on it and always pay it off. But every year I get a letter my limit is increased, it is up to 10,000 now.Before getting a loan should I call in to the card issuer and have my limit brought down to the original amount?  <response>: No, actually higher limits with the same spending are good. It actually increases your score. 