[skissane]

It turns into a bit of a pointless ritual though - “I need a mortgage, I’m going to cancel cards I don’t use and slash my credit limits to maximise my borrowing power” - but no sooner have I bought the property, I will apply to increase them again, and they are unlikely to say “no”-even if the credit card is issued by the same bank as the mortgage. Or at least, that’s my personal experience in Australia