Credit Cards · Tools · Glossary · D-terms · Debt-to-income ratio

Credit Card Glossary: Terms and Definitions

Confused by credit card terms?'s glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.

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Debt-to-income ratio

Debt-to-income ratio is the ratio of all personal debt -- including credit card debt -- to gross personal income. For consumers, debt-to-income ratio comes into play when they attempt to qualify for loans. A high amount of credit card debt can force a consumer into paying higher rates on a mortgage, or could even cause it to be denied. Debt-to-income ratio can also come into play for entrepreneurs trying to start businesses by affecting their ability to get loans.