Reduce your total debt amount (but do not close unused lines of credit). (debt.org)
«There are a lot of good reasons to close unused lines of credit,» he explains, such as a legitimately founded fear of credit fraud. (discover.com)
LOC allows unused line of credit to grow at the same rate the borrower is paying on the used credit, thus the line of credit amount grows. (americanadvisorsgroup.com)