Maximum credit exposure - taking data points [updated]

[csryang]

Just curious if each credit card company has its max credit exposure set at certain amount or percentage of stated income.

I tried to google and search this forum but not much information was covered. I know it probably varies with each person. 

I am just curious to see if there's any common theme.

Please share here if you feel that it's hard to get credit after certain exposure

I will collect data points and then update this post!

From data points:

Amex: will go over 100%

CapOne: 50%

Chase: over 100% possible

Citi: 50%

My current CL/stated income (fico is around 750):

Amex - 75% on credit cards besides 2 charge cards, not FR yet...

Barclays - 40%

BOA

CapOne - 12%

Chase - 45%

Citi - 35% - being told that they cannot grant more on my third card

Discover - 12%

Wells fargo - 10%

US bank - 12%

[Creditaddict]

The banks that you can still get a human that can make decisions are going to vary much more. (if you push and ask!)

[Anonymous]

I've seen posters here reporting $24K income and getting $10-15K CapOne Venture cards, so some are willing to go quite high relative to your income, maybe even matching it.

[Anonymous]

Amex will go over 100%

[Skye12329]

I think its a combo of income and credit. Cap1 i think is pretty leinant. Chase i think is generous also. Currently my sister makes 22k a year or so, might be a little less. She has about 22k in credit with them.

[manyquestions]

American Express and Chase have each given me a little more than my income in credit lines.  Citi has only given me around half of my income.  If you have good credit it's usually not hard to get three or four times your reported income in credit card limits if you add up the limits of all cards across all banks.

[thummel]

I think it really depends on what your profile looks like and what relationship you have with that bank in paticular. My most shocking approval was from Wells Fargo for there rewards card and they started me at 10k on a 30k a year income. From what I hear for others wells can be a pain to get a good limit from. Chase is about 50 percent of my income for me and I have never asked for an increase all have been auto.

[370Z]

I've also experienced the 35% cap with Citi.

Already having 2 personal cards with Citi, I was approved for a biz card with an uneven limit. The combined CL across all 3 was exactly 35% of my income.

[csryang]

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@370Z wrote:

I've also experienced the 35% cap with Citi.

Already having 2 personal cards with Citi, I was approved for a biz card with an uneven limit. The combined CL across all 3 was exactly 35% of my income.

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 I wonder if this is true exposure limit or maybe they said that to anyone having more than 2 cards.

[Imperfectfuture]

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@manyquestions wrote:

American Express and Chase have each given me a little more than my income in credit lines.  Citi has only given me around half of my income.  If you have good credit it's usually not hard to get three or four times your reported income in credit card limits if you add up the limits of all cards across all banks.

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Wow, I feel left out.