I'm pretty sure capping a CC at 5k would not do much. This is a bit old info but the one I found: Experian data shows that, as of December 2016, the avera

I'm pretty sure capping a CC at 5k would not do much. This is a bit old info but the one I found: Experian data shows that, as of December 2016, the average credit limit of a consumer with a Deep SubPrime credit score was $1,834. For consumers with SubPrime credit scores, the average credit limit was $2,645. Consumers with NonPrime credit had an average credit limit of $4,674. Those who have Prime credit scores had an average credit limit of $7,593. And consumers lucky enough to have SuperPrime credit scores had an average credit limit of $11,357. $5k @~19% and the 4% min payment, you pay ~$200 for a total of over $8k over 137 months. That's a _lot_ of months that you're going without being able to put anything else on your CC, since you're only doing the minimum payments. What do people do then? Get yet another credit card. According to some quick Googling, the average American has about 4 credit cards.