New bee query about lenders psychology

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Hi,

I just joined BP as most of my searches are directed by google to BP. Glad to see such a great site.

My question is about lenders thinking when they look for <40% debt to income ratio. 

What does lenders expect a consumer to do with their remaining 60% of income?

All my daily/monthly expense are taken care by credit cards.

My primary home mortgage payment is already considered taken care by debt added in the DTI.

Am I missing something here?

Regards,

Balak