@thtan

Don't generalize just so happen you don't have a use for high limit. If you don't need it then just downgrade your CL and have you done so?
If you have done so then I'll take my hat off and if you had retained your limit then ... you are no different from what you have described yourself people with high CL.
There are people who genuinely need the high limit and I couldn't understand your negative attitude.

It's a matter of personal preference.
Not quite true.
Yeah ... simply waltz in here and broadcast to the whole world that his/her credit cards have high credit line 

some house developer do accept credit card payment.

2008 i bought proton saga blm for my dad, swipe full amount at proton. no problem.

no harm u have high credit limit but dont spend high. its free what?

many people here have a card with 6-figure cl but only use 1 or 2 figure amount each month

nops. they just send me the card to home without pin.
even the card number automatically appear on cimbclicks before the card arriving at home ~

i pay deposit rm500 and balance rm34,448 (if not mistaken) full amount at proton shah alam.
no surcharge at all

i never find merchants that dont accept credit card for large transaction.
i swipe almost rm35k for 1 time at proton no problem.

or, how LARGE amount do u mean? rm100k?
possible they dont accept bcoz the discount rate (or we called it as fee/surcharge for credit card transaction), normal is around 0.5% - 3%.
so if u want to swipe rm100,000 and their rate is 3%, they will received only rm97,000.
rm3000 is a huge amount to 'loss'!
or, if u dont care, offer them to pay the surcharge ~
but usually merchant will tell if pay via card got surcharge or not? so why they dont want to accept if u pay the surcharge? 
card dropped or get robbed, report bank and police immediately.

for fraud, bank usually call immediately to verify large amount. cimb even called me for rm60 swipe at shell previously!
(maybe bcoz the card never been swiped at shell).
and of coz my rm2k, rm9k also been verified by the bank.

leave the card at home, then how if the home get robbed while u outside?
by the time u at home, the card already been swiped somewhere, u call bank to suspend the card but its too late?

u can search previous thread, i have experience already with rhb.
my card had been fraud at kajang while i'm at kuantan (aliby by police report). bank absord the loss.
but let say if u leave ur card at home at kl, then ur house get robbed and ur card also been fraud at kl, and u also at kl, then?