[Shano]

My credit limit probably isn't anywhere near as high as yours, but I was also a little concerened about this when applying for a loan.

I took out my loan through a mortgage broker. When filling in the CC section on the loan application I explained to the broker that my two high limit cards (~$30,000 each) were cards that I used exclusively for business expenses and were re-imbursed in full each month by my employer (my employer does not issue corporate credit cards). The broker recommended that I leave these cards off the application which was never questioned by the bank.

I should add that I rarely get close to 50% of these limits, which makes me ponder NM's approach

I have another card with limit less than $10,000 that I use for personal expenses. This is more than enough for my personal purchases.