And back on topic...
Some banks will look at credit card limits and assume they could be maxed out when calculating debt ratios.
They may also use the credit card balance even if you intend to pay it off at the end of the month which was a pain for me as I usually have a ton of expenses through work that are paid before the bill is due. In this case I had just bought two ATVs so I showed a $20000 balance.
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