as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
my bank wants to lower my credit limit on my credit card. will this impact me negatively?
user
no, it will have no negative impact on getting a mortgage. you are building up a history with regular payments and are not carrying a balance on the card each month. your ability to get a mortgage will ultimately be based on other things. money saving expert has a good guide on what will affect your credit score. a further discussion on the topic that backs up that what a mortgage company is interested in is affordability and a stable history. they really don't care about utilisation ratios.  (though might be spooked by almost maxed out cards - sign of poor spending control, or large unused limits - too easy to go into bad debt.)
assistant