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Dear Liz: My wife and I have excellent credit, pay our credit cards in full each month before the due date, and have no outstanding loans or debts. Our credit utilization is low, about 3-4%. Our total available credit is about $125,000 for six cards.

One credit company keeps reducing our credit line every time they think we aren’t using their card enough. They want us to “spend more,” but haven’t defined how much to spend per month. It’s becoming stressful having to contact this company every time to get our credit line restored to the full amount and our credit scores back up by about 10 points.

If we close this account, which is not our oldest card, do we risk our score dropping

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