Revolving credit & 30-day accounts
Paying off a credit card can remove its monthly payment from DTI, but open charge accounts are handled differently from ordinary revolving debt.
Revolving accounts
Recurring revolving minimum payments are part of the debt analysis. Fannie permits an account paid off at or before closing to be excluded from long-term DTI, subject to the applicable payoff requirements.
Open 30-day charge accounts
Accounts required to be paid in full monthly have separate treatment because there may be no ordinary installment-style minimum payment. The agency rules determine whether verified funds are needed to cover the balance and how the obligation is treated.
Official guide baseline
Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide
Debt treatment can change with documentation, remaining term and AUS feedback. Current agency guide controls.