<prompt> Human: Early 30s, I have two credit cards, both never carry a balance. One is my banks visa card and has a 30,000 limit. Ive had it since I was 18 with a 2000 limit and they just kept raising the limit over the years. The other is an Amazon rewards card I use for most of my purchases to get amazon points and just pay off the balance in full immediately. 8500 limit. My FICO scores are consistently near perfect and dont change much. But Im just wondering if having a relatively high chunk of unused and available credit could hurt me in any way in the future? For instance would it affect me in any way when applying for a mortgage? Would banks lend less if they see Im sitting on a large reservoir of unused credit?  <response>: No, having credit but not using it is good for your score. Dont worry about it and keep doing what youre doing. 