Dont worry about being over your income, credit wise. I look at it like im earning it with good credit habits and showing them im responsible with x amount of credit. I know in certain situations too much credit can hurt but sometimes if one cc c sees you have x amount with other ccc they maybe inclined to give you more.
Honestly if you saw my amount of credit compared to my income, youd probably think id be cld for the heck of it. Remember they use many factors in determining to give you a cli, so i would just continue to do what you are doing, manage your profile properly and things like cli will work out for ya!.
Also, remember Discover's cli department is manned by monkeys on keyboards who throw darts at the cli dartboard on their lunchbreak
Honestly if you saw my amount of credit compared to my income, youd probably think id be cld for the heck of it. Remember they use many factors in determining to give you a cli, so i would just continue to do what you are doing, manage your profile properly and things like cli will work out for ya!.
Also, remember Discover's cli department is manned by monkeys on keyboards who throw darts at the cli dartboard on their lunchbreak
Ps, i like to poke the Sync bear for cli but asking for cld, id feel like running as i dont know what Smaug would do
When I got my MC/Visa versions of a couple of my Synch store cards I called and had my store cards reduced to $1k. They didn't seem to mind at all. I have lots of Synch cards though. I only kept those open becuase I took the hit for them, might as well leave them reporting.
@AverageJoesCredit wrote:
Dont worry about being over your income, credit wise. I look at it like im earning it with good credit habits and showing them im responsible with x amount of credit. I know in certain situations too much credit can hurt but sometimes if one cc c sees you have x amount with other ccc they maybe inclined to give you more.
Honestly if you saw my amount of credit compared to my income, youd probably think id be cld for the heck of it. Remember they use many factors in determining to give you a cli, so i would just continue to do what you are doing, manage your profile properly and things like cli will work out for ya!.
Also, remember Discover's cli department is manned by monkeys on keyboards who throw darts at the cli dartboard on their lunchbreak
+1
If you're primary concern is Discover, there's probably nothing to worry about. In my own case they have given me very generous CLIs with a modest income; I'm now at $21k and will probably never ask for another one. I'm also at multiples of my reported income in overall available credit, so Discover certainly isn't bothered by that.
Other lenders might be a different story, of course... CUs in particular can be picky (although NFCU seems to be an exception... much like Discover they gave me a generous SL and CLIs even with my modest income).
@UncleB wrote:
@AverageJoesCredit wrote:
Dont worry about being over your income, credit wise. I look at it like im earning it with good credit habits and showing them im responsible with x amount of credit. I know in certain situations too much credit can hurt but sometimes if one cc c sees you have x amount with other ccc they maybe inclined to give you more.
Honestly if you saw my amount of credit compared to my income, youd probably think id be cld for the heck of it. Remember they use many factors in determining to give you a cli, so i would just continue to do what you are doing, manage your profile properly and things like cli will work out for ya!.
Also, remember Discover's cli department is manned by monkeys on keyboards who throw darts at the cli dartboard on their lunchbreak+1
If you're primary concern is Discover, there's probably nothing to worry about. In my own case they have given me very generous CLIs with a modest income; I'm now at $21k and will probably never ask for another one. I'm also at multiples of my reported income in overall available credit, so Discover certainly isn't bothered by that.
Other lenders might be a different story, of course... CUs in particular can be picky (although NFCU seems to be an exception... much like Discover they gave me a generous SL and CLIs even with my modest income).
Nobody likes a quitter. lol
@MyLoFICO wrote:
@UncleB wrote:
@AverageJoesCredit wrote:
Dont worry about being over your income, credit wise. I look at it like im earning it with good credit habits and showing them im responsible with x amount of credit. I know in certain situations too much credit can hurt but sometimes if one cc c sees you have x amount with other ccc they maybe inclined to give you more.
Honestly if you saw my amount of credit compared to my income, youd probably think id be cld for the heck of it. Remember they use many factors in determining to give you a cli, so i would just continue to do what you are doing, manage your profile properly and things like cli will work out for ya!.
Also, remember Discover's cli department is manned by monkeys on keyboards who throw darts at the cli dartboard on their lunchbreak+1
If you're primary concern is Discover, there's probably nothing to worry about. In my own case they have given me very generous CLIs with a modest income; I'm now at $21k and will probably never ask for another one. I'm also at multiples of my reported income in overall available credit, so Discover certainly isn't bothered by that.
Other lenders might be a different story, of course... CUs in particular can be picky (although NFCU seems to be an exception... much like Discover they gave me a generous SL and CLIs even with my modest income).
Nobody likes a quitter. lol
LOL... at $21k it's already 'silly' big for me; pushing for any more would just be asking for something to cause an issue later. I always try to keep Icarus in mind with these things.
See, now you've gone and done it UB, just you wait and see, you're gonna get a big 10k+ auto cli from Disco because when they hear of " quitters" as MiloFico so elequantly put it, they have to show us who's boss
I have no input, this is all just funny banter to me!
Wait! I have a tiny bit. I am sort of hoping my AE card converts but I'm at $3,500 and won't ask for anymore CLIs on it until (unless) it does. $3,500 is plenty. I wouldn't mind $6k on TJX and $10k on Wally and Amazon. ;-)
Maybe cut it in half OP??