@disdreamin wrote:I've got a fairly length, clean file with good credit scores and a decent income (personal and household). Still, I cannot fathom how I could get to 2x my income, much less above. Is it realistic to think if I apply I'll be granted additional credit, because I'm just not seeing it?! As mentioned previously, I got 4506t'd by AmEx when trying to go above $35k total exposure with them between two accounts last year. I don't see how I could reasonably think other companies would extend more credit to me given that! I'm just a smidge above 1 to 1 income to CL for personal, about 1 to 0.65 for household.
You're over thinking it for one. Amex is just one lender of thousands. In 6 months Amex will turn right around and give you even more! Capital One, Chase, Penfed, Navy Fed as well as many others will all extend you just as much as Amex or MORE.That's as long as you keep PIF with clean files. And they'll do it without asking for income verification.
All they can say is no more. It's not that big of a deal really.
@Gmood1 wrote:
You're over thinking it for one. Amex is just one lender of thousands. In 6 months Amex will turn right around and give you even more! Capital One, Chase, Penfed, Navy Fed as well as many others will all extend you just as much as Amex or MORE.That's as long as you keep PIF with clean files. And they'll do it without asking for income verification.All they can say is no more. It's not that big of a deal really.
Well, I'll have to pick some cards and give it a try once I decide to wander back out of the garden. 
It'll be interesting to see how it goes. AmEx did finally relent on the 4506t and granted me a little more (to be honest, I only asked for another $5k) but I'm a little shy now about asking for more. They won't counter, they'll just request the tax forms and I won't provide them. Nothing to hide, but also no need to let them have them either.
@disdreamin wrote:
@Gmood1 wrote:
You're over thinking it for one. Amex is just one lender of thousands. In 6 months Amex will turn right around and give you even more! Capital One, Chase, Penfed, Navy Fed as well as many others will all extend you just as much as Amex or MORE.That's as long as you keep PIF with clean files. And they'll do it without asking for income verification.All they can say is no more. It's not that big of a deal really.
Well, I'll have to pick some cards and give it a try once I decide to wander back out of the garden.
I totally undersatnd. lol
I wouldn't provide them either. I sit at $30K with Amex on one card. I'll still hit them again in 5 months. lol
If they'll let a country hick like me go from $2600 in open tradelines to $330,000 in 13 months. I'm sure you've got more going for you than you think. lol
@disdreamin wrote:Well, I'll have to pick some cards and give it a try once I decide to wander back out of the garden.
So Amex gave you a CLI even though you declined to provide the 4506t? That's unusual!
But I agree with other posters: IF you really want large multiples of your income in CL (and to my mind there is little need for it), just apply to other lenders, some are much more generous than others.
@Gmood1 wrote:
I'm now at 5x my income. Let your usage report! Keep utilization below 10%. I keep mine around 2%. Stay away from excessive amounts of store cards. I don't have any. Though I wouldn't mind a Lowe's card. Once you're around 730 and above with clean reports...the sky is the limit!
I couldn't imagine having THAT much available in credit cards! 
That would be THREE times what we're looking to spend on a house!!
@Anonymous wrote:
@Gmood1 wrote:
I'm now at 5x my income. Let your usage report! Keep utilization below 10%. I keep mine around 2%. Stay away from excessive amounts of store cards. I don't have any. Though I wouldn't mind a Lowe's card. Once you're around 730 and above with clean reports...the sky is the limit!I couldn't imagine having THAT much available in credit cards!
There was a time not long ago I thought the same way. I honestly didn't think it was possible. As long as you're disciplined and don't look at it like money in the bank, you'll be fine.
@Gmood1 wrote:
@Anonymous wrote:
@Gmood1 wrote:
I'm now at 5x my income. Let your usage report! Keep utilization below 10%. I keep mine around 2%. Stay away from excessive amounts of store cards. I don't have any. Though I wouldn't mind a Lowe's card. Once you're around 730 and above with clean reports...the sky is the limit!I couldn't imagine having THAT much available in credit cards!
There was a time not long ago I thought the same way. I honestly didn't think it was possible. As long as you're disciplined and don't look at it like money in the bank, you'll be fine.
We're looking at a house between $200K & $250K.. I really CANNOT imagine having 3x's that available in credit cards! LOL!!