<prompt> Human: Im 23 and have two credit cards. One has a 1700 limit bank credit card and the other has a 1400 limit department store card, and the 1400 one started off at 700 three years ago. They keep increasing my credit limit because I dont use it as often and pay it off faster than I do my other one.I barely make over 20,000 per year and it honestly scares the shit out of me to have a total credit availability of more than 3,000. Both because Im scared of maxing out the cards and taking forever to pay them off, and that somehow my card will get stolen, I wont be able to dispute the charges, and get stuck with the bill. Unreasonable fear? Probably yes. But Im sick of credit cards. Id like to decrease my line of credit for my department store card to its original 700. I got it when I bought a television and have been using it for small purchases here and there to keep it active CDs, games, gift cards, etc. I dont want to close it completely yet but I dont want a large line of credit either. Can I do this and how do I go about doing it?  <response>: Completely agree with misnamed. OP, I understand your fears, but unless you sincerely believe you would be tempted to use the credit unnecessarily, there is absolutely no reason to reduce the size of your available credit.Many banks allow you to set up an email or SMS alert for when your balance on a card exceeds a certain amount. If you think you might run over the limit youve set for yourself without realising it, these alerts are probably a better alternative than forcing down the actual credit line.Also the fear of being unable to dispute charges is completely unfounded. By US law you are never liable for more than 50 worth of fraudulent transactions charged to a credit card. Most banks just go ahead and say they will never hold you liable for a fraudulent charge on your credit card. If your bank tries to make you eat more than 50 worth of fraud, that is illegal. See: 