Why Does Credit Card Debt-to-Income Ratio Matter?

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Debt-to-Income Ratio for Credit Card Approval
Calculating Your Debt-to-Income Ratio
How Lenders View Your Credit Card Debt-to-Income Ratio
Does Credit Card Debt-to-Income Ratio Affect Your Credit Score?
Understanding Debt-to-Income Ratio for Credit Cards
What Is a Good Debt-to-Income Ratio for a Credit Card?
Debt-to-Income Ratio of 36% or Less
Debt-to-Income Ratio of 36% to 49%
Debt-to-Income Ratio of 50% or more
What Should I Do if My DTI Is Too High?
Stop Charging
Transfer Your Balance to a Lower-Interest Card
Reduce Spending
Getting a Credit Card for High Debt-to-Income Ratio
The Takeaway
Frequently Asked Questions
About the Author
Austin Kilham is a writer and journalist based in Los Angeles. He focuses on personal finance, retirement, business, and health care with an eye toward helping others understand complex topics.
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