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CHIPPIER123

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Whem figuring out my debt to imcome ratio, do I factor in the credit cards with a 0 balance

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Question makes no sense.  If a card has a 0 balance then it does not have any debt.

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Look at your total available credit and the total outstanding balance of all your cards. Divide the total outstanding balance by your total credit limit. For example let's say you have $50,000 in total credit availability, and you've charged up a total of $5000 between all your cards. 5000 divided by 50,000 equals 0.10 or 10%.  You can also find the credit utilization on individual cards using the same method.  If you have a $5000 limit on a card and you've charged $3000 on it; 3000 divided by 5000 equals 0.6 or you're using 60% of the card limit. 

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