So I have my CC all set at 60k income which was what my floating average stayed around I didn't want to put to high or to low for that matter, but after doing a review of last years income my total income was at 110k....Now I don't want to put 110k because that did come from several sources not just my direct job but I am scared if I update my income to my Credit Cards to say 75k or so?! They will ask for POI and want that all to show from my job last year (on tax return) and it would do more harm than good as I'm not sure if the total for the year on just my Primary work will reflect that 75k. I actually added together my job income, ATM deposits from Cash jobs, CashApp payments etc to get that total income I had received....But I also know the amount is clearly reflecting my DTI stating it's a Higher use of my income since it's only at 60k when in fact I brought in more almost double that last year :/ and that could hurt me moving forward with CLI or Loans etc....so I'm just confused and don't want to bite myself in the foot especially since I'm looking into opening a business I don't want them to think I only have 60k (I will be providing them with a full break down of last years income, but not sure if that would suffice for everyone.....I'm just all sorts of Confused. Please any help would be much appreciated and so far things are looking up for the Business 
Just a little update on that. Also if I do update it how soon will it reflect or adjust my DTI!? Ty ty 
@Girlzilla88 wrote:So I have my CC all set at 60k income which was what my floating average stayed around I didn't want to put to high or to low for that matter, but after doing a review of last years income my total income was at 110k....Now I don't want to put 110k because that did come from several sources not just my direct job but I am scared if I update my income to my Credit Cards to say 75k or so?! They will ask for POI and want that all to show from my job last year (on tax return) and it would do more harm than good as I'm not sure if the total for the year on just my Primary work will reflect that 75k. I actually added together my job income, ATM deposits from Cash jobs, CashApp payments etc to get that total income I had received....But I also know the amount is clearly reflecting my DTI stating it's a Higher use of my income since it's only at 60k when in fact I brought in more almost double that last year :/ and that could hurt me moving forward with CLI or Loans etc....so I'm just confused and don't want to bite myself in the foot especially since I'm looking into opening a business I don't want them to think I only have 60k (I will be providing them with a full break down of last years income, but not sure if that would suffice for everyone.....I'm just all sorts of Confused. Please any help would be much appreciated and so far things are looking up for the Business
Hi
Your total income is what you reported to IRS. Use the income from your 2021 W2s and 1099s, not what you personally added up.
Ok Thank You ^^