Yeah, a credit card, full or not, is considered debt to a mortgagor. It's best to only have one low limit card when applying for a mortgage. Freeks, they all suck...go with a bank who knows you, make an appointment, get a personal banker (I couldn't get a credit card for the longest time because I had no credit, then I started working for a real estate firm and had to deal with the bank everyday, certifying $300,000 mortgage cheques, I went to apply again 6 months later they gave it to me because they knew me...doesn't make sense) They will most likely give you one for $500 or so, then if you have a steady income, in a year or two they will up it.