Share your insights or perspective on the financial matter presented in the input.

Should I avoid credit card use to improve our debt-to-income ratio?
If you pay it off before the cycle closes it will look like you have 100% available credit.   So if you credit card statement closes on the 7th pay it off on the 6th in full don't pay it when its due 2/3 weeks later. Then after three months of doing that your credit score will go up based on the fact that your debt ratio is so low.  That ratio is 30% of your credit score.  It will help quite alot.