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@Anonymous wrote:Haha, think I have everyone beat. Total credit is 4% of my total yearly income. Boom
LOL.
You just edged me out, I'm at 5%.
I should be at 40-60% by June or July though, which will make things much more comfortable for me.
@Anonymous wrote:
^ that's probably not manageable...
Harder than you think ;-) ahaha. I do usually run up to my limit on a monthly basis just to pay them off immediately. Got stuck with a couple HIgh UT statements before I learned about the statement cut dates. Now im waiting at about 5% UT for statements to cut than back to spending
@JagerBombs89 wrote:You know, if you take this topic plus about a half of dozen other topics that have been started on this forum... then you could answer almost every "security question" that pertains to one's credit file. All someone would have to do is get your SSN and MyFICO posts & signatures reveal the rest. Good ole social engineering at its finest and most users here volunteer the informaiton!
No way you'd get answers to the questions Barclay asked me from here. And my income is not publically available info, so no lender would be able to confirm or deny anything by asking for it. As such, I have no problems sharing it. I make in the neighborhood of 30k a year and have just over 13k in total credit, so that puts me just below 50% credit to income ratio.
292%
edit: plus PRG POT
My credit line is double my yearly salary ($120k cl/ $60k salary), which is why i do not seek or attempt to get credit line increases. I'm worried a good card will be introduced but I won't be able to get it because of having too much available credit. I'm waiting to get the sapphire preferred (5/24 rule) and hoping i can stlll get it since I already have 5 cards with chase, which i need for hotels and airlines travel, but i realize my credit limits are too high for my income. Has anyone gotten turned down by Chase for this reason?
@Broke_Triathlete wrote:
All my stuff is in my sig.
I never could wrap my head around why people put so much personal information in their signature...
@jeffery581 wrote:Your Total Available Credit VS. Income?
Percentage. Credit is 300% of my income. Actually more.
income 62k
credit 190k
@jasonkm1 wrote:My credit line is double my yearly salary ($120k cl/ $60k salary), which is why i do not seek or attempt to get credit line increases. I'm worried a good card will be introduced but I won't be able to get it because of having too much available credit. I'm waiting to get the sapphire preferred (5/24 rule) and hoping i can stlll get it since I already have 5 cards with chase, which i need for hotels and airlines travel, but i realize my credit limits are too high for my income. Has anyone gotten turned down by Chase for this reason?
No.
My income is $61K, total limits $324,000 plus an Amex charge card.
My last Chase application was 1.5 months ago. Way back then, my credit limit total was only $287,000 and they gave me the Chase United Explorer card.
This after obtaining the Chase Disney and Chase AARP cards in early December.
about 200%
util <1%