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No some institutions just calculate the revenu/debt ratio as if the credit card was maxed, even if your credit card has no balance on it. Their thinking is that if they aprouve you for a loan considering you have no debt, nothing can stop you from going to the store next day and max you card so they just calculate the ratio with a maxed card...
what kind of fucked up bank/loan information are you getting this bullshit from? the canuck sister-fucking credit union???
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In Loving Memory
R.I.P. Huan Vo aka woong
01.14.1979 - 11.19.2008