Final answer:
Underwriters may allow exclusion of certain credit cards from DTI calculations depending on the situation, but it's best to consult with the underwriter directly for accurate information.
Step-by-step explanation:
Underwriters may allow you to exclude certain credit cards from your DTI (Debt-to-Income) calculations, depending on the specific policy they follow. However, it is important to note that this can vary from lender to lender and it is recommended to consult with the underwriter directly for accurate information.
That being said, there is no specific credit card brand, such as Visa, Mastercard, American Express, or Discover, that is universally excluded or included in DTI calculations. The decision to exclude or include a credit card in DTI calculations usually depends on the terms and conditions associated with that particular credit card, such as the credit limit, interest rate, and repayment terms.