figured the best thing I can do for myself if I want to have 3 credit cards is to lower them to the lowest limit - i used to agonize over how to pay back a $500 card like can do it in a month now with the right mindset lol and a week or two of mr noodles and no chinese food from doordash lmao like when I have many thousands going through my hands I can justify a higher limit hahaha