TweetOne thing to add to that:
If you've had the same credit card for years, and you pay it off, never close it. Keep it open so you can maintain that history of good credit (providing you made all your card payments on time!) If the limit is $10,000, pay it to $0, and call the card company and ask them to lower your limit to $3000.
K. There's my 1 good deed for the day.