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Although I am not an expert, I do remember that when I went to apply for a mortgage, the actual maximun credit line of the credit card was very important to them, as well any monthly payment you may have, because they tend to look at the potential for debt. For example, if you have two credit cards, one with a $5,000 max and one with a $10,000 max, they will look at that as $15,000 of potential debt you may have to pay, even though currently you keep a clean balance and pay it off each month. I guess they need to take in all possible factors when considering a loan.

This was just my experience, and it may vary among lenders, but I hope it was helpful!!
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