much (not at all) they are lowering my credit limit to $10k. I've been using the Costco card for everything in the past few months. Fine with me, I only got it to amass miles anyway and don't plan to do a lot (none) of flying for a while. I should just turn it in and get my $100 annual fee back. At least the Discover card doesn't charge. I only use it for on-line buying charges. Cancelling the Chase card will probably lower my credit rating, Big deal, at my age who gives a flying you know what. Should still be over 800.