Frankly, I think lenders will be more inclined to think you won't be able to pay your debt. Each lender has a list of requirements you have to meet in order to be approved, but I believe they will "investigate" each new borrower from other angles as well, to see if they're worth the risk.
Studies say keeping your credit card's utilization rate under 20% is best. It shows lenders you know a thing or two about financial education and can be responsible when it comes to handling money.
