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Between my wife and myself we have 3 credit cards.
#1 Home Depot w/ a $10K limit

#2 Wifes Visa (From a credit union) W/ a $5K limit

#3 A joint Visa (same credit union) w/ a $10K limit

The two Visa cards are paid in full every month. The Home Depot card is used occationally under the no payment or interest for 6 months plan. I really do not need a $10k limit am am thinking of asking HD to reduce it to $5K or perhaps a little less. I am concerned this would lower my credit score.
I would welcome any thoughts or ideas anyone might have.

Thanks, Mike
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