<prompt> Human: Currently owe 7000 on my car with 3 years left to pay, but I might do it in 1.5 years. Owner of 4 credit cards all with zero balance but available credit between them is 10,500. I do use 2 of the cards every month but balances are always paid off in full. Today I received an offer to raise the limit of one of the cards by 7000 up to 9500, pre approved. I plan on buying a house in 2 years, would having that much available to me 17,500 on credit cards help or hurt my mortgage applications?  <response>: YES. Just dont use it... 