DTI ratio for mortgage application question

[nautiquelfe]

Hi guys, first post.  I am planning to app for a mortgage next year, after I save for the down payment.  In the mean time I'd like to get all my ducks in a row while I save.  Does the lender's DTI ratio for a mortgage  consider CC's that have 0 balance in the equation as possible future debt?  I am thinking of getting another card or two.  I currently have 4 active CC's and NEVER carry a balance, 2 are low limit and 2 are store cards that have limited usefulness.  I would like to upgrade to a prime card that has some benefits.   I am looking at houses very near the max figure my income will allow.   Should I worry that the lender will factor in future minimum payments on all of the cards that would be active at the time I apply? 

[foofighter74]

IF there's a minimum payment listed on your credit report, even if a balance is zero, they will include it.  With my zero balance cards, there's no minimum payment listed so they had nothing to include.