What is your credit card debt? (Page 3)

As I understand it, if you have higher limits on your cards it causes potential lenders to pause and possibly lower the amount you qualify for, because that's $X,000 additional debt you could rack up in no time at all after they give you the loan for the car, the house, etc. So if you have $30,000 in total credit limits across four cards, then you go and borrow $25,000 for a new car; even though you might only owe $3,000 right now on your cards there's always the possibility that you'll get up to that $30,000, and now your overall debt picture isn't $3,000 + $25,000, it's $30,000 + $25,000. Even though you have a control on your spending they still look at it like a loose cannon. I hope that made sense [and was accurate].