Just curious how generous they can be. I have:
$15k Amex
$5k Visa
$10k Premier Line
$2k Reserve Line
Income $105k
Some lenders (like Penfed, USAA, Etc) give out tons no matter what the income. Some are stingy (like Patelco, NASA, etc..) ... Some are in the middle (Disco, Citi, etc...)
Wondering what the max USBank gives out... of if people get denied for not having enough income...or sufficient credit with them. Where do they fall?
Does anyone have multiple lines... multiple cards, Etc... and if so do you mind sharing how much l and an income or income range? Mind sharing how many total credit lines you have? Hope I am explainfing this right.
$15k Amex
$5k Visa
$10k Premier Line
$2k Reserve Line
Income $105k
Some lenders (like Penfed, USAA, Etc) give out tons no matter what the income. Some are stingy (like Patelco, NASA, etc..) ... Some are in the middle (Disco, Citi, etc...)
Wondering what the max USBank gives out... of if people get denied for not having enough income...or sufficient credit with them. Where do they fall?
Does anyone have multiple lines... multiple cards, Etc... and if so do you mind sharing how much l and an income or income range? Mind sharing how many total credit lines you have? Hope I am explainfing this right.
$19k and $11.5k = $30.5k total credit limits.
Gross income was $62.6k
So, I was granted 48.7% of my income.
@Anonymous wrote:
Just curious how generous they can be. I have:
$15k Amex
$5k Visa
$10k Premier Line
$2k Reserve Line
Income $105k
Some lenders (like Penfed, USAA, Etc) give out tons no matter what the income. Some are stingy (like Patelco, NASA, etc..) ... Some are in the middle (Disco, Citi, etc...)
Wondering what the max USBank gives out... of if people get denied for not having enough income...or sufficient credit with them. Where do they fall?
Does anyone have multiple lines... multiple cards, Etc... and if so do you mind sharing how much l and an income or income range? Mind sharing how many total credit lines you have? Hope I am explainfing this right.
Income 65k
FP Am Ex 7500
Cash+ 7500 (pc'd from Cash Rewards)
FP V 13000
Alt Res 29000
Reserve line 750
Premier line: denied (after I got the Alt Res)
USB customer since 2002, no loans
I applied for a checking account it was denied because credit report was froze none of the big 3 are froze but after talking to Djgrolyos he said they like to pull ARS for deposit account making me think now do i even want it lol.
@Anonymous wrote:
Thx for the updates. This helps.
Nice to know they are going up to 50% of income for some.
Right now I am fighting them on doing a reallocation. Everything I read here and on other sites say they will do it. I have called multiple times and no go.
I wrote a letter last week so I’m hoping that will help.
My plan was always to combine the two after the 2% promo was over for the 365 Amex-but this reallocation is such a PITA I am now thinking I will have a hell of a time getting that done In 6 months time.
Still... all In all..... I love USBank and they are definitely one of my favorite lenders.
(@nccarguy.... I totally agree with you. I had a TON of INQs on the last 2 apps... didn’t matter tho. Once you are in it seems they don’t care About much. They are strange tho on CLIs. Was given a new 15k Amex after being denied for a $1500 CLI on my Cash+. Lol)
