Originally Posted by
reft
Also, on the charge cards, the more you have, the lower your total revolving utilization is.
Any new creditor could be nervous if you have too much credit relative to your income, and may decline you for that reason, and not your score.
Good points other than the two above which are more YMMV.
Charge cards do not affect utilization the same way credit cards do. I've never had charge card balances effect my FICO scores deleteriously. They are not reported as revolving credit.
We have over 800K in available credit on credit cards and no creditor -- credit card, auto lender or mortgage -- has ever raised an issue.