What is the maximum credit you can get for a given income?

[CreditScholar]

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@enharu wrote:
I have seen people with about 100k incomes and yet over 250k+ total CL (real cards that are actually useful, not those useless cards which sole purpose is to only stack CL). However, cases like these are hard to come by, and those people either have a lot of assets, such as through inheritance, or they have a flawless banking relationship and history with those banks for over 3-4 decades. It's not something that can be built in a couple of years.

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+1. I rarely see people with more than 2x their income in total CLs, and usually the number is much lower than that. Even for those seeking credit actively, those who have CLs above their income are in the distinct minority when compared to the general population.

The exceptions seem to be more common if your income is fairly low, say under 50k. There are a fair number of people on these forums who have an income of say 40k, and combined CLs of more than 40k spread across various cards from several lenders.

Once your income reaches higher levels (150-200k or more), CLs usually level off because most people simply don't need more credit after a certain point.

[Steelersboy]

i read on here somewhere where a user was making under $30,000 a year but had double digit cc limits, so it seems income may be only a small factor with limits and the user could have also been using credit for a while too. i make more than that but im not even close to double digit limits lol

[Anonymous]

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@Steelersboy wrote:

i read on here somewhere where a user was making under $30,000 a year but had double digit cc limits, so it seems income may be only a small factor with limits and the user could have also been using credit for a while too. i make more than that but im not even close to double digit limits lol

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It also depends on where you get the cards.  Some places, e.g. NCFU, seem especially generous to many, so with a fairly low income, you can get a limit from them that is a sizeable fraction of your earnings.

[09Lexie]

+1

[kevinjjc]

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@Luscher wrote:
i doubt any one lender will give you the same CL as your income but I do see you being to have double CL as your income spread out between different companies. they all want your business

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For what it's worth, I have a PenFed Platinum Cash Rewards Visa card with a $50,000 credit limit and my income is only $45,000. My total revolving credit limit is over $200,000.

[Smug]

I make about 30K yearly my , sometimes less...

[HiLine]

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@kevinjjc wrote:

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@Luscher wrote:
i doubt any one lender will give you the same CL as your income but I do see you being to have double CL as your income spread out between different companies. they all want your business

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For what it's worth, I have a PenFed Platinum Cash Rewards Visa card with a $50,000 credit limit and my income is only $45,000. My total revolving credit limit is over $200,000.

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$50k is a HUGE tradeline! How long did it take you to get there?

[370Z]

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@kevinjjc wrote:

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@Luscher wrote:
i doubt any one lender will give you the same CL as your income but I do see you being to have double CL as your income spread out between different companies. they all want your business

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For what it's worth, I have a PenFed Platinum Cash Rewards Visa card with a $50,000 credit limit and my income is only $45,000. My total revolving credit limit is over $200,000.

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Wow, I think you may have the highest credit-to-income ratio on this forum.

[navigatethis12]

income for me is about 100 to 125 and I have about 250,000 in credit and I am 22 with a 3 year history. I am about 50% of income with two institutions, and haven't met any resistance. About 85000 of that is hidden with business credit, so that Is a brilliant thing