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cuzorean

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how much does my debt to income ratio matter when applying for a credit card?
I own my home with my sister and my credit score avg is high 600's.
My dti is approx. 50%

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Your debt to income will matter no matter what kind of lender you are dealing with. Lenders do not want to extend you more credit than you could handle paying back. Your debt to income is not great, but you should still be fine with it, but I am not sure what kind of credit line you will get, a lot of other factors go into the lender's decision as well.

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