Yes. Banks count about 5 percent of each credit card limit as a monthly debt, even if you never use the card.
Example: three cards with AED 20,000 limits each count as AED 3,000 a month. At a 6% stress rate over 25 years, that can cut how much you can borrow by about AED 465,000.
Close unused cards or lower their limits before you apply.
Related: What is DBR?
