<prompt> Human: I stopped into Wells Fargo yesterday to ensure that my credit card is the one that provides phone insurance. I didnt get the brightest of reps and after a lot of other conversation she asked me if I ever used the full 8000 limit. I told her no, and she advised me to be careful with having that high of a limit and to consider getting it lowered. I asked her why I would want to do that since it would increase my credit utilization when I do have balances on a card. She told me that if I ever need a loan, having that high of a revolving credit limit, even if I have a 0 balance, will be factored into my debt-to-income ratio and can affect how much of a loan I could qualify for.Is this true? Does this make any sense? I have no plans of lowering it because I have an excellent credit score and dont want or need to get approved for massive loan amounts.Edit: For clarification I pay the balance in full every month.  <response>: For a data point, Ive gotten approved for every mortgagerefi Ive ever applied for maybe about half a dozen, not all actually closed with over 2x my annual income in available credit.I dont doubt that some people have run into issues at some banks, but in my case no one has ever even mentioned it as an issue. 