Reducing my credit card limits after consolidation?

I just took out a loan for $ 10,000 in which $ 5000 paid of credit cards and I used another $ 2500, so a total of $ 7500 with all credit cards paid off. now I was thinking of reducing all my credit cards to $ 100 limit so all I’d have mainly is the $ 7500 I owe on the loan. Question is….Is this a good idea? If I kept the credit cards with the high limits would this show high risk along with a 10,000 loan? I’m working on refiancing next summer because I have a A.R.M mortgage and I wanna have the best score possibly by then..

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