<prompt> Human: I make 85K In base salary another 40K or so in commissions yearly Approx 120K. I have been working at this job for 2 years and recently got promoted not going anywhere. I do not own a house, but split rent with my fiance 800month, my other fixed expenses amount to 300month, not including groceries etc.. I save a lot and invest a lot...and have 2 credit cards, with 1000 limits each. 778 Equifax Credit Score which is considered excellent and 724 Transunion Credit Score which is considered fair. Never missed any payments, Credit Cars utilized at a rate of 16 monthly mainly for building credit purposes. I recently signed off on all the paperwork to purchase a new truck 52K total with tax, I also put down a 12K Deposit making the value 40K outstanding. I am planning to keep this truck for 8 years at 0 financing, it made sense for me to go on a long term. Now, I had to take out a 40K finance loan, seeing how I only have two credit cards, with small limits, I am concerned I will not get approved - am I over thinking this? Or am should I be fine? I am currently waiting for the dealership to sort this out.  <response>: how I only have two credit cards, with small limits, I am concerned I will not get approved Your approval is not tied to your credit limits on your cards. 