"The guideline at my best priced wholesale source is that 5% of the balance at the time the credit is pulled will be used to calculate DTI."So, SOMETIMES, with some lenders, it DOES make a difference to go cash only for a while.I would hate to give up all of the cash back I earn on those cards. The card I use most often can be paid off at any time, multiple times throughout the month. I could start a practice of paying it off once or twice a week for a few months rather than paying right before the due date. That should keep my average balance low enough.I would be able to show 6 months worth of statements proving I pay off all of my cards every month if a lender asked.Thanks for your help, CCinOC!