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credit cards & income

New Member

credit cards & income

evening everyone, I have several credit cards through amex, chase and boa. The limits are

22k, 24k and 18k respectively. Util on them is less then 5%. I just got a raise at work and am wondering

if the additional income would make it easier for higher cl's? don't plan on using them to the fullest

extent, at this point its just for the added util padding. ai listed on past aps was 70k annually.

credit scores fico wise are 710-730 no derogs.

 

should i request cli's or just wait for auto cli-s. I tried with chase a few months back

but was told that I reached the internal limit at that point, same with boa. amex was

cli'd a few months back and i have heard of a 6 month limit between requests.

7 REPLIES
Moderator Emeritus

Re: credit cards & income

For AMEX you would have to wait. For the other two, it can't hurt to let them know your change in income, however it may or may not make a difference depending on their algorithm for determining such things and how big your raise was.

Valued Contributor

Re: credit cards & income

i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined

New Member

Re: credit cards & income

ok thank you. i also have a citi card stuck at 7k no budging from their too many inq line.

Valued Contributor

Re: credit cards & income


juggalo9er wrote:

i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined


LOL!  Gotta love Cap One!

Valued Contributor

Re: credit cards & income


Dw4250 wrote:

juggalo9er wrote:

i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined


LOL!  Gotta love Cap One!


in their defense i have went from 500 up to 2000 in around 9 months

Senior Contributor

Re: credit cards & income


Dw4250 wrote:

juggalo9er wrote:

i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined


LOL!  Gotta love Cap One!


Would have been interesting to see the tax return here..lol

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New Member

Re: credit cards & income


juggalo9er wrote:

i can tell you with capitol one it matters not how much you make. i just requested a cli and for income i put 1,000,000....it was declined


strange. my new income is just shy of 130k yearly. I will hold off on any new cards or cli requests and try to get 6 mos under my belt.