I don't know. Unless your credit rating is going to go down significantly I don't see Chase ever offering less credit. I've had every chase card that is worth getting and I've never had them pull that. Now, if you don't have a very high amount of overall credit availability that could factor into your credit score but that's not a big issue for me or most people who aren't just out of college. If you don't have much available credit I can see it paying off to making sure you don't lower your total available credit but that's just for credit scoring. I just don't think it's worth worrying about for me or most people. Basically do whatever you want outside of some outliers.