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It's not an issue when you have plenty of serviceability in the tank. When the tank starts to run a bit low, it becomes an issue. If you service OK on their service model, they're not going to tell you how much "surplus" serviceability you have. Like all serviceability issues with banks, you...

I'm having a good run with NAB at the moment, for what it's worth. My last loan with them resulted in me being sent a gold card with a $10k limit. I have an application pending now. It's been conditionally approved but I was half expecting it to be declined due to the credit card limits I have...

From what I understand, each $5,000 of credit limit equates to a loss of around $25,000 in borrowing power. How you use it and how controlled you are with it has no bearing, whatsoever.

They won't be very interested in your credit card payment history (unless you've ever defaulted. Then they get very interested). They will want to know your credit limits on those cards. That's what can make or break you in terms of serviceability. I've taken out and re-financed a dozen loans...