<prompt> Human: So Im 18, living on a small island just off of the UK and started full time work in a niche section of a major international bank. As my girlfriend lives on the mainland going to Uni, I decided getting a British Airways credit card was a good idea, even now Ive racked up a good few avios points. However, when I applied I made it clear I only wanted a credit limit of 1500, but when my card arrived it had a credit limit of 5000! It feels irresponsible to have such a high credit limit, even though Ive always been savvy to the point of frugality with my money. But it also feels nice to have that back up if need be as I am travelling a fair amount. Any advice?  <response>: I have a card with a 30,000 limit, but I certainly dont expect to utilize even a fraction of that. If you lack self-control to maintain proper spending habits knowing you have a sizable credit line, it may be best to avoid usage until youre more comfortable with it. 