Hello, I have a pretty straightforward question about how credit cards effect debt to income ratio but I can't seem to find an answer online.

If I have a credit card with low or 0 balance, will the debt to income ratio be calculated using the minimum payment needed for the current balance or the minimum payment for the maximum credit limit?

I've heard conflicting answers from bank representatives over the years so I'm hoping to get a clear answer.

I'm asking because I have 3 store credit cards with no balance that I want to keep open for credit history. However, I have 3 other debts that I want to consolidate. Due to various home repairs over the last 7 years or so I know I will have a relatively high ratio, but I want to calculate it ahead of time before applying for a loan. If the 0 balance cards negatively effect the debt to income ratio I will close them.

Thanks,