<prompt> Human: I have 8 credit cards with a combined credit limit of 10,000. The majority are specific store credit cards and cannot be used anywhere else. One is CareCredit which can only be used for approved medical expenses such as when I recently had a root canal which generally gives a special 0 interest financing period in this case 6 months. Two of them are Capital One cards that can obviously be used anywhere, but one of them also has a 0 interest finance period until next September.Anyway, not even discussing my open debt.. Hypothetically, if each of these accounts had zero balance, maybe with the exception of one of the Capital One cards that Ill be using in place of regular cashdebit purchases and paying off at the end of each cycle with money earned through my job in order to keep the account open and in good standing. All the other factors are there such as age of accounts, payment history, utilization, etc.If I were to apply for a home loan or an auto loan through a bank or credit union, or even through a dealership for the car if I decided, how does my credit availability on my open accounts affect my chances? Someone at work told me that the more possibility of debt I have, the less likely lenders will want to loan to me. So if I have the option to go 10,000 into debt versus maybe only 2000, does this better my chances? Would closing some of my accounts to get to lower available credit help?Ive searched for this topic online and cant seem to find anything relating to what this person said. Im not sure if im just not phrasing things correctly and so Im having trouble or if its total crap that she may have just heard somewhere, too.  <response>: The person who told you that has no idea what they are talking about. 