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It will be interesting to see what happens when I apply for my next loan then as I've calculated that the cards are $170K in total (or $850K less in lending if you're right). I had all the same cards two years ago (last loan) and wasn't made aware of any problems with it. Ouch

Ouch, This doesn't bode well. I have a stupid amount of cards (like 7) with limits from $15 - $40K each. I use them all for different purposes and can't really get around it. All of them are paid off monthly and silly me I thought that was a good thing as it showed I could control debt.