<prompt> Human: My latest credit reports show that I score a 790 with Equifax and Transunion. I pay my CCs off every month, but at the time of the report I had 13 credit utilization 1,682 in debt - 12,900 credit limit.A few days ago it came to my attention that I had a credit card with a 6000 limit that was essentially dormant. The account was still open, but the issuer no longer was sending me statements or new cards. I called them up and they said that this was standard practice when a card hasnt been used in a while... in my case it hadnt been used in 10 years. I thought the card had been canceled forever ago so I asked them to close the account for me.Later I realized that I just threw my credit utilization down the drain. Ive cut my available credit in half down to 6900... now, instead of 13 utilization, that 1682 in debt is 24. Was this a big mistake in regards to my credit rating? I was able to get an automatic credit increase in on my other CC that I use regularly up to 8400 so my utilization would be 20 with the 1682 in debt... thoughts?  <response>: Credit utilization isnt archived, the most recent figure is just pulled when your report is checked. I believe the utilization is only updated with each statement but I wouldnt really worry about it.With that credit score and history you can probably get a larger credit increase if its been more than 6 months. You could probably ask to have it doubled depending on your card I went for 2500 to 10000 on my american express after no increases in 3 years. Personally it would be inconvenient to have less than 10k for rare months where we have a big vacation or other expense that we saved for! or will be reimburse for expenses. You may consider getting another card or an increase to get somewhere youre comfortable, but if youre fine with what youre at, dont worry about it! 