Income: $135K
Total Chase Cl: $74.5K over 6 cards including 1 business
Have had 3 auto CLI from them over the last year or so. Never requested a HP CLI.
Approvals from earliest to most recent. First opened in 10/2013, most recent on 7/15
UA Explorer- $4K
CSP - $11K
Ink - 10K
Freedom - $6.5K
Ritz - 23K
Marriot - 20K
100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already 
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
This might not end well. When your spending pattern changes, they can tell.
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
Wow....170k in available credit at 22? Clearly, you were putting in that other income, which while is not technically falisfying, you're in trouble if they ever want tax docs (i.e. your income only). Or they'll just see your spending change like Imperfect mentioned. I'd be a bit nervous if I were you.
Not to ruin your night or anything but yeah lol
@kdm31091 wrote:
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
Wow....170k in available credit at 22? Clearly, you were putting in that other income, which while is not technically falisfying, you're in trouble if they ever want tax docs (i.e. your income only). Or they'll just see your spending change like Imperfect mentioned. I'd be a bit nervous if I were you.
Not to ruin your night or anything but yeah lol
Not only that, if they ever get in to trouble and need to BK creditors may claim fraud and may not be dischargable debt.
@kdm31091 wrote:
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
Wow....170k in available credit at 22? Clearly, you were putting in that other income, which while is not technically falisfying, you're in trouble if they ever want tax docs (i.e. your income only). Or they'll just see your spending change like Imperfect mentioned. I'd be a bit nervous if I were you.
Not to ruin your night or anything but yeah lol
Im not worried at all, I just dont run up balances and keep most of the cards in the safe. Ill be 23 here in a few days so the 170k has been accured over a 5 year period. Applied for first cards on my 18th bday.
But I do take full advantage of credit card bonuses which is what half of the cards were/are for.
If they wanna AA me then so be it no hard feelings, theres pretty much always another card to fall back on. 
I did hop on the Discover CLI gravy train though, couldnt resist that.
@kdm31091 wrote:
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
Wow....170k in available credit at 22? Clearly, you were putting in that other income, which while is not technically falisfying, you're in trouble if they ever want tax docs (i.e. your income only). Or they'll just see your spending change like Imperfect mentioned. I'd be a bit nervous if I were you.
Not to ruin your night or anything but yeah lol
They may update their income at any time.
@Anonymous wrote:
@kdm31091 wrote:
@Strogen wrote:100k is what they think I earn but its more like 42k now that I dont live with my friend who made 60k. I thought for some reason if we lived in the same house we could put down our combined incomes. Looks like I was wrong but w/e got the credits cards already
But I have 52K exposure with Chase, they just gave me a Marriott card a month ago right before he moved out.
Im wayyy overexposed but whatever, I have so much credit I dont even care for CLI's anymore. I only care about credit cards with spend offers now.
Wow....170k in available credit at 22? Clearly, you were putting in that other income, which while is not technically falisfying, you're in trouble if they ever want tax docs (i.e. your income only). Or they'll just see your spending change like Imperfect mentioned. I'd be a bit nervous if I were you.
Not to ruin your night or anything but yeah lol
They may update their income at any time.
what exactly would trigger checking income? as long as the cards see minimal usage, there's going to be no issues. no request for CLI, no PC, no worries. Plenty of people have more credit than their income. Lenders don't particularly care as long as they are getting paid off on the cards. It is true that a BK situation would be a concern, but it doesn't sound like strogen has any plans to stiff these lenders.
Y'all need to look elsewhere for your AA-mongering
