Hope this helps bring a little more light to his question: I'm a teacher so my income is not high, and when I apply for cards I don't include my husband's income which is considerably more than mine. I have a very short short credit history, and my scores are in the mid 700s. Last year, I applied for, and received, a new CFF in July. The card is my first relationship with JPMCB, and including our HELOC, the card put me at 5/24. SL was $8,100, which at the time was my second highest CL. Regardless, I added two more new CCs in October, Citi and Disco, both w/SLs that were less than the CFF. I spent fairly heavily, paid all the cards several times during a month, never had more than 30% on any card, in fact, I don't think I ever went over 20% on any of them. For sure, with the CFF I was always less than 20% and at one point spend was below 10%. Anyway, by the end of November, I'd received an auto CLI to $13,000. So for me, at least, 5/24 was not part of the CL equation.
