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Me too! LOL
@red259 wrote:I didn't realize we had soo many ritz fans here!
Can't speak for anyone else, but I am partial to "classic" American luxury and elegance.
@grinlikechelsea wrote:To answer the income question, my total CLs do exceed my income by a fairly substantial margin. I will note that three accounts are joint, so it was not solely my income on the application.
Right, so I'm just gonna start panicking over here yes? LOL and keep a very close eye on your situation
*panic* *panic*
@mirachi wrote:
@grinlikechelsea wrote:To answer the income question, my total CLs do exceed my income by a fairly substantial margin. I will note that three accounts are joint, so it was not solely my income on the application.
Right, so I'm just gonna start panicking over here yes? LOL and keep a very close eye on your situation
*panic* *panic*
Ordinarily, absence of other factors, having CLs exceed income in of its own isn't cause for aggressive AA.
@Open123 wrote:
@mirachi wrote:
@grinlikechelsea wrote:To answer the income question, my total CLs do exceed my income by a fairly substantial margin. I will note that three accounts are joint, so it was not solely my income on the application.
Right, so I'm just gonna start panicking over here yes? LOL and keep a very close eye on your situation
*panic* *panic*
Ordinarily, absence of other factors, having CLs exceed income in of its own isn't cause for aggressive AA.
+1 There are a number of examples we have seen where people have more credit than income. Of course, when this is combined or part of sudden increases in credit it can become more of a factor. I suspect the takeaway from all of this is that as always when dealing with credit , slow and steady wins the race.
@Open123 wrote:
@mirachi wrote:
@grinlikechelsea wrote:To answer the income question, my total CLs do exceed my income by a fairly substantial margin. I will note that three accounts are joint, so it was not solely my income on the application.
Right, so I'm just gonna start panicking over here yes? LOL and keep a very close eye on your situation
*panic* *panic*
Ordinarily, absence of other factors, having CLs exceed income in of its own isn't cause for aggressive AA.
+1
I've heard of people having combined CLs that were 4 times their income. If you have an established file with well-documented payment history, your income seems to play less of a role.
@red259 wrote:
@Open123 wrote:
@mirachi wrote:
@grinlikechelsea wrote:To answer the income question, my total CLs do exceed my income by a fairly substantial margin. I will note that three accounts are joint, so it was not solely my income on the application.
Right, so I'm just gonna start panicking over here yes? LOL and keep a very close eye on your situation
*panic* *panic*
Ordinarily, absence of other factors, having CLs exceed income in of its own isn't cause for aggressive AA.
+1 There are a number of examples we have seen where people have more credit than income. Of course, when this is combined or part of sudden increases in credit it can become more of a factor. I suspect the takeaway from all of this is that as always when dealing with credit , slow and steady wins the race.
Except waiting can be a PITA
@enharu wrote:Except waiting can be a PITA
+1
To each his own, but like anything else in life, I don't believe in waiting or getting permission. Just go and get it, the hell with what "they" say or preach. Carpe Diem!
@Open123 wrote:
@enharu wrote:Except waiting can be a PITA
+1
To each his own, but like anything else in life, I don't believe in waiting or getting permission. Just go and get it, the hell with what "they" say or preach. Carpe Diem!
when you phrase it that way, it sounds a little like assault LOL.
mod edit-as to not violate TOS~Lexie
@enharu wrote:
@Open123 wrote:
@enharu wrote:Except waiting can be a PITA
+1
To each his own, but like anything else in life, I don't believe in waiting or getting permission. Just go and get it, the hell with what "they" say or preach. Carpe Diem!
when you phrase it that way, it sounds a little like assault Lol
LOL...well, I should have added, sieze the moment, but nothing illegal!
mod edit-as to not violate TOS~Lexie