When I put 30k on the card for an international trip and was thus close to the limit. Had to pay down $1k before the bill is due so that my credit limit is freed up. I use my limits fully for the 30-60 day grace and keeping the cash earning interest. Before you ask, the card company just upped my limits a couple of months ago at my request so I could charge the trip. the holds as “potential” charges affect the limits.asking in all seriousness .. what do you find to be the issue with the temporary hold that goes away by itself? when you say 'rack up', you're not actually being charged for the hold. it shouldn't appear on your statement or require you to pay any of it.