Reduce Your Credit Limit

Then reduce your credit limit. Credit card companies are not your friends. They are not being kind to you when they give you a credit limit increase. Credit cards companies are counting on the fact that most consumers simply will not be responsible with their credit.

However, you do not have to let them set you up to fail. When you receive a higher credit limit that you know you do not need or deserve call them up and tell them to reduce your limit back to where you feel comfortable. Do not even give yourself a chance to test your self-control with your new higher limit.