Guys, I have just started working not for long, and I am particularly concerned with my CCRIS for future plannings. I heard that credit card statements do affect my debt service ratio and I am afraid it would bring a negative impact to my future loan applications

Say my monthly income 3k, but my credit card oustanding monthly is about 2-4k, and according to DSR calculation, my DSR is ~67% to >100% is that right? I am able to service it on time every monthly