you could have too high a credit on your cards ,even if you dont use them...they look at "what you COULD put on credit" too lots of things credit vs income vs debt , history of pmts...
I have had credit cards since I was 15 years old, mom put me on here card accounts so I had my own card. I ONLY used them if I didn't have cash. I only have 2 credit cards now, one gas and one regular credit card. The gas card has like a $500 limit and the other one has a $15,500 limit . I still pay cash for everything so I almost never use them, except on ebay or online stuff, but I payoff the balance that next payment. Not sure about the gas card, but the other is like a 17% which is probably high but I always pay it off before it ever hits the interest. So what do I do?
. I still pay cash for everything so I almost never use them, except on ebay or online stuff, but I payoff the balance that next payment. Not sure about the gas card, but the other is like a 17% which is probably high but I always pay it off before it ever hits the interest. So what do I do? 
