Citi Cards Maximum Exposure?

[Aim_High]

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@Obscure-Expert wrote:

Max exposure is based on your income and ability to pay.

In general most lenders top out at 50%.

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That sounds reasonable.

I wondered where my total credit limits with Chase were derived from after I recently hit a ceiling with them after five new cards.

I just did a new calculation and seem to have hit their magic formula:

Reported income/2 (minus) annual debt payments

(in my case, basically a monthly mortgage and a car payment, plus a little monthly cc payments @ 1% or less)

So 50% of income is a good starting point, but debt load may be taken into account also.