Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

How bad is it to have a lot of credit available but not used?
I never give advice but I will now because you are getting poor advice.  I run between 820 and 835 for a FICO score and have for years.  I have a Discover, AMEX, VISA and MC.  I have over 200,000 dollars of credit and I never EVER pay interest.  I pay off the cards every month.  So, does it matter how much credit you have or can you have too much?  NO!  Bank of America gave me 40,000 dollars credit and I don't even have an account with them except the card.  Banks like people who pay their bills on time.  Well, the computers at the banks do.  LOL...DON'T be afraid of asking for more credit.  Your score may drop for two months but that is it.  Good luck with your money