https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3215622#M190224 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/807134">@ecocredit</a> wrote:<BR /><P>If I have a credit card with a limit of 25K but no balance on it. Is it viewed as debt regardless?</P><HR /></BLOCKQUOTE><P>Are you talking as factored into DTI calculations?</P> Tue, 01 Jul 2014 00:28:05 GMT 14Fiesta 2014-07-01T00:28:05Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3212630#M190209 <P>If I have a credit card with a limit of 25K but no balance on it. Is it viewed as debt regardless?</P> Sun, 29 Jun 2014 20:37:49 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3212630#M190209 ecocredit 2014-06-29T20:37:49Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3212932#M190210 <P>If it is the only form of credit you have and its at a zero balance, you have no debt.&nbsp;</P> Sun, 29 Jun 2014 23:34:27 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3212932#M190210 SamsungHDTV 2014-06-29T23:34:27Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3214758#M190211 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/807134">@ecocredit</a> wrote:<BR /><P>If I have a credit card with a limit of 25K but no balance on it. Is it viewed as debt regardless?</P><HR /></BLOCKQUOTE><P>A zero balance means no debt. It is just a tradeline ... which happens to have a spending limit of 25K.</P> Mon, 30 Jun 2014 19:07:14 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3214758#M190211 ezdriver 2014-06-30T19:07:14Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3214910#M190212 <P><A href="http://media-cache-ec0.pinimg.com/originals/fe/91/a3/fe91a3dc38b1981226c5c025fc759674.jpg" target="_blank">http://media-cache-ec0.pinimg.com/originals/fe/91/a3/fe91a3dc38b1981226c5c025fc759674.jpg</A></P><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/807134">@ecocredit</a> wrote:<BR /><P>If I have a credit card with a limit of 25K but no balance on it. Is it viewed as debt regardless?</P><HR /></BLOCKQUOTE><P>&nbsp;</P> Mon, 30 Jun 2014 20:02:41 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3214910#M190212 JoshNurse 2014-06-30T20:02:41Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3215622#M190224 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/807134">@ecocredit</a> wrote:<BR /><P>If I have a credit card with a limit of 25K but no balance on it. Is it viewed as debt regardless?</P><HR /></BLOCKQUOTE><P>Are you talking as factored into DTI calculations?</P> Tue, 01 Jul 2014 00:28:05 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards/m-p/3215622#M190224 14Fiesta 2014-07-01T00:28:05Z