<prompt> Human: I used to solely use a debit card, but decided recently to begin building my credit history. I began using a credit card and have paid it off totally every single month. After using it only a few months, they jumped my credit limit from 500 to 1000, then again to 5000. I didnt want to risk piling up 5000 in credit because of theft or drunken amazon shopping I dont actually do this so I called my credit card company and had them lower my limit back down to 1000. I have never come close to hitting the limit. Will choosing to limit my own credit limit negatively affect my credit score in the future?TL;DR: See title.  <response>: Having a lower credit limit will cause you to have a lower credit score, though its not a huge deal. But, you do realize that one of the reasons to use a credit card is that youre not liable in case of theft? Ive had my number stolen three times and its never taken more than one phone call to resolve it without a dollar out of my pocket. 