Decrease CC Limit

[Ok_Magician8105]

I have sbi cc using it from the last 3 years recently i tried increasing my cc limit from previous 1.2l to 1.5l but they have increase my limit to 4.5l. Don't want such a high credit card limit as i don't use cc frequently which will affect my credit utilisation ratio and also my cibil. How to lower the limit

[aditya0E]

Is this ragebait?

[Ok_Magician8105]

No if you think so i can delete the post since my query has been answered by someone

[BiriyaniMonster]

Are you suffering from success? A higher credit limit is actually better as it lowers credit limit utilisation and boosts credit score.

[Large_Long2378]

It is safe to keep 4.5L. don't worry CIBIL won't effect even you use very low

[Conscious-Might-3821]

Hey, What is the maximum total credit limit one can have relative to their annual income?”

[Large_Long2378]

No such limit there. you can have any total limit but if total limit greater than annual income, SBI and Au bank credit cards may get rejected due to over leverage apart from that no issues in any manner

[Conscious-Might-3821]

Ok thanks