<prompt> Human: Hey PF, long time lurker first time poster etc etc, long-ish post below.This is kind of embarrassing but--Im currently in a bit of credit trouble and Ive come to the conclusion that maybe Im not ready to have as much credit as I have?Im 20, a junior in college, scheduled to graduate early with no debt and Im lucky enough that my parents are covering my entire life. I pay for school supplies and whatever rubbish I want, and contribute 250 a month to a Roth IRA. I have a very part time job during the school year, making about 100wk. I have two credit cards, one with WF with a 2100 limit and a BoA with 2500. BoA is paid off, but the Wells Fargo card ...I got to spend the last six months in Australia on a study abroad and my parents really encouraged me to not be afraid to spend money doing stuff, that that was what a credit card was for, etc. I didnt have an income during that semester but was living off my savings; figured that I had enough. I traveled solo for the entire last month and I put the flights and hostel bookings etc on my credit card, did some wonderful things, and an amazing month later Im looking at my statements and thinking to myself: oh, shit.I dont regret anything I did but I also am not super happy with where I am right now and Im disappointed in myself as well. I have a whopping 1,600 in CC debt right now. Small beans compared to some stories in this sub, but on my income its a lot. I have enough money in savings that I can pay it all off within the week just have to transfer it from a different account without having to ask my parents for money, so Im not that worried about the debt, but itll wipe my savings right tf out.What I am worried about is realizing that Ive gotten used to having almost five thousand dollars of bonus money that I dont have to pay off immediately at any given moment. Ive havent missed a payment or carried a balance yet but Ive noticed myself veering a little too close to the edge. Not gonna lie, this realization has made me feel much more hesitant about my own personal finance capabilities. So -- is there any way to lower my credit limit? Give me less of a rope to hang myself from, as it were. And would requesting a lowered limit affect my credit score? Sorry for the long ass post, and thanks in advance for any help! :  <response>: Dont ask to lower the limits. Pay off as much as you can per month until its payed back. Put the higher limit card in a closetcupboardinaccessible and set Neflix to bill it. Now you have a recurring 10mo that gets payed off at statement time. With the other card, spend within your means. Dont buy extra things. Fix your attitude, dont bring down your limit. 