@core wrote:
@Anonymous wrote:
Income is well into the six figures, but I don't disclose income as over $100K because I don't want to open myself up to questions/FR and having to send in tax returns.
By my math your total available credit is around $350k. With an understated income of $100k? Very nice. Have you ever been declined or had to call recon because of too much available credit for your stated income?
I didn't want to make the initial post too long with specifics for each account, but yes I did use what I learned here to call analysts and EOs. There were no denials, but I did recon the lower limits given by certain banks' computer software. I was told specifically by the Citi analyst that their online applications always provide lower limits than if you complete an application over the phone, yet so few people call in to ask for higher limits after online instant approval.
I haven't had any issues with too much credit available, likely because the amount I run through credit cards each month for personal and business expenses is so high.
Gardening Until Further Notice
