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So if been browsing the forums to try and find an answer to this question but haven't had any luck, so I figured I'd ask for myself.
As of now I have about a total of 23,500 in total available credit, but my annual income is not even close to that (I'm a college student)
I just got another credit increase from discover saying they bumped me up 2000 without me asking.
my question is will I get a financial review for passing 24-25k total available credit? I've seen comments about similar events and was curious to see if that's a thing? Or if I should be worried about anything.
No. It depends on each creditor. Ask for too much credit and they'll ask for proof of income to support your request. Most have a hard line that you shouldn't cross. NFCU is 25k per line, amex is 35k, chase is 50% of reported income, etc.

@Anonymous wrote:So if been browsing the forums to try and find an answer to this question but haven't had any luck, so I figured I'd ask for myself.
As of now I have about a total of 23,500 in total available credit, but my annual income is not even close to that (I'm a college student)
I just got another credit increase from discover saying they bumped me up 2000 without me asking.
my question is will I get a financial review for passing 24-25k total available credit? I've seen comments about similar events and was curious to see if that's a thing? Or if I should be worried about anything.
If you are providing accurate information there is no reason to fear a financial review.
If you are embellishing your information you need to be careful, lenders have a right and occasionally perform random account reviews (including financial) for any number of things (recent inquiries, its Tuesday, Tom broke up with them, large purchases...).
Tell the truth, use credit responsibly and the only thing left to fear, is fear itself.
@Anonymous wrote:So if been browsing the forums to try and find an answer to this question but haven't had any luck, so I figured I'd ask for myself.
As of now I have about a total of 23,500 in total available credit, but my annual income is not even close to that (I'm a college student)
I just got another credit increase from discover saying they bumped me up 2000 without me asking.
my question is will I get a financial review for passing 24-25k total available credit? I've seen comments about similar events and was curious to see if that's a thing? Or if I should be worried about anything.
No expert or anything, just chiming in.
Personally I wouldn't be too worried about it - especially if you're being honest when applying and stuff. Safe to say many people on this forum have a lot more available credit compared to their income. From what I've seen, stuff seems to get a bit wacky when people have stuff that may seem out of the oridinary and/or doesn't add up - not to say they're lying. Just red flags that are raised and they gotta cover their own cabooses.
I've never requested a credit increase, I just receive them every few months. They are getting really close if not passing those guidelines. Should I go ahead and call the creditors or just let them happen.
@Anonymous wrote:I've never requested a credit increase, I just receive them every few months. They are getting really close if not passing those guidelines. Should I go ahead and call the creditors or just let them happen.
If you're being truthful and they're giving them to you on their own, I really wouldn't worry about it. They obviously don't see it as an issue, so you shouldn't neither. Again, my .02.
It's only a problem if you're trying to get credit with financial institutions that are sensitive to total credit limits. For the most part, these are credit unions, and not major banks.
I have 4.8x my income in limits right now. I won't be able to get credit from SDFCU, First Tech FCU, or UNFCU as a result but the fact I'm trusted with large limits by so many FIs, it can actually help me with future apps like Chase and US Bank.
Congratulations on having so much credit already. Make sure to use it wisely. ![]()
@Anonymous wrote:I've never requested a credit increase, I just receive them every few months. They are getting really close if not passing those guidelines. Should I go ahead and call the creditors or just let them happen.
Based on what you've given, you're nowhere near any of those. 25k per line is 75k for 3 NFCU cards. You can have 5 amex revolvers at 35k each. Chase is 50% of income across all of their cards.

@Anonymous wrote:I've never requested a credit increase, I just receive them every few months. They are getting really close if not passing those guidelines. Should I go ahead and call the creditors or just let them happen.
Just leave it be. No sense to call attention to yourself.
Appreciate all of the comments and inputs. Thanks! Wish you all the best