You have your question marked FNMA and USDA, so I was not sure which one you were looking for.  So here is the answer to both.

FNMA:
Payoff or paydown of debt solely to qualify must be carefully evaluated and considered in the overall loan analysis. The borrower’s history of credit use should be a factor in determining whether the appropriate approach is to include or exclude debt for qualification. Generally,

• Installment loans that are being paid off or paid down to 10 or fewer remaining monthly payments do not need to be included in the borrower’s long-term debt.
• If a revolving account balance is to be paid off at or prior to closing, a monthly payment on the current outstanding balance does not need to be included in the borrower's long-term debt, i.e., not included in the debt-to-income (DTI) ratio. Such accounts do not need to be closed as a condition of excluding the payment from the DTI ratio.
  
  USDA:
  If a revolving account is paid off and closed before settlement, the monthly payment may be excluded from the TD ratio. The Loan Originator must obtain documentation to verify the account has been closed
  

 ORIGINAL QUESTION:
We have a client we are working on preapproving......the client has 3 credit cards (Kohls, Walmart, & Target) that will be getting paid off in full in the next couple of weeks, if I order credit supplements showing zero balances am I able to omit those payments?  If yes, do the credit cards have to be closed or can they stay open?