Short answer：Card debt and payment history may affect credit and affordability assessment, but there is no universal debt-to-rate formula. Timely repayment does not guarantee mortgage approval.
Disclose all obligations
List balances, instalments, other loans and guarantees with requested statements. Do not disclose only minimum payments or take undisclosed borrowing to inflate apparent cash.
Separate corrections from repayment
Dispute inaccurate credit information through formal channels; plan affordable repayment of genuine debt. Confirm reporting timing and the lender’s treatment rather than relying on an online score threshold.
Before deciding
- Keep statements and repayment evidence
- Check credit-record accuracy
- Avoid unnecessary new borrowing before completion
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.