<prompt> Human: Hello rpersonalfinance:I have a credit limit of 3500 that I frequently am at the limit of, but I will be in a position shortly to pay it down to 500, of which I will want to lower my credit card limit to. Has anyone else done this? I am doing this more because I have problems with spending and money management of which I am currently working on, and my expenses weekly do not go over this amount. I seldom travel. I would want this lower limit so that I can control my spending more so and begin to save more money. Thanks for any advice andor relatable stories!  <response>: If you cant use your credit card responsibly only for the amount you can pay back in full by the due date then its probably best to just not have a credit card. I would pay the card off entirely and close it until you can come up with some sort of system and habits that enable you to control your spending. To protect yourself from fraud, you could use a prepaid debit card American Express offers a variety, as do other banks for online purchases and other places where you dont trust using your debit card. 