I kept both cards at a $5000 limit, as I can easily pay this off. In the past, I had limits as high as $20,000 on some cards (they keep raising the limits automatically) and with high interest rates, these can be impossible to pay down.
I instructed both companies to not raise my limits automatically - ever.
I also have AUTO-PAY on both cards, so that the minimum payment is made, even if I forget. Usually, I pay the entire balance, however. If you miss one payment, the "penalty rates" of 25% or more kick in.
Also, I asked them to NOT SEND LITTLE CHECKS for cash advances. These are easily stolen in the mail and at 22% interest, I do not want them.
Simmons First is a good company - very down-home and small town and honest.
Capital One is OK, too, but as a mega-corporation, you have to watch them like a hawk.
Capital One and Barclay's bank both now have a free credit score service that tells you your credit score, and updates you on changes to your credit history, free of charge.
It is a nice feature, but as someone who has no debt or any need for debt, hardly a necessary one!