Chase Exposure & Income input...

[My_Fako]

Please post you exposure and income with Chase.

I've been debating... on trying for one of thier core products... Either FU or CSR. Worried about exposure though.

Marriott 15k
Hyatt 18k
IHG 5.6k

Total $38.6K
Income: 88k

[Anonymous]

CSP 19K

Freedom 10K

Income 114K

[CreditCuriosity]

historically Chase will lend about 40% of ones income to their credit card although as always individuals results vary based on other factors.  There has been DP's of this in the past being fairly accurate.

[simplynoir]

Doesn't Chase reallocate limits when approving cards but you're at max exposure?

[minski]

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@CreditCuriosity wrote:

historically Chase will lend about 40% of ones income to their credit card although as always individuals results vary based on other factors.  There has been DP's of this in the past being fairly accurate.

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I'd wondered whether this was the reason why I wasn't getting any green check marks at 6 months after my last Chase app. Between my Chase Freedom and Chase IHG, I am at slightly > 40% of my income. I've been thinking of asking for a CLD but with the changes in the Chase IHG, I may end up just closing that card. 

[K-in-Boston]

Income in the lower 200s.  My limits on 3 total cards are $19,700 (around 9%).  DW's limits on 2 total cards are $46,400 (around 21%).

[Gmood1]

I'm at 50% of stated income with Chase. Amex is over 75% .

[Mahraja]

stop worrying fako you are fine keep using the products pay on time and apply for the FU or whichever you like and leave the rest to the bank ...

[UpperNwGuy]

The combined credit limits of my two Chase cards are 49% of my stated income.  I never get green check marks on the Chase website, and I suspect it is because Chase doesn't want to extend credit that would exceed 50% of my income.

[pipeguy]

I have 3 Chase cards, Freedom UL, Amazon and AARP the last two are my lowest limit cards at $6k and $5K. I use all three cards on a regular basis but not that much as far as monthly dollar volume. My Chase exposure is less than 15% of my income and note I pay in full every month and never come close to using the full credit lines. 

Perhaps its because I have a hair under $400k in open credit card lines and the DW has in excess of $200k available on her cards (utility runs under 10% - most 0% promotions), I don't know and frankly, most of my card swipe go to those companies that treat me the best as far as credit lines, APR's, BT offers, etc - Chase doesn't fit that picture at least for me.