Originally Posted by
michelle227
If I was to hazard a guess, the software used in the decisioning processes is looking at overall limits and/or payments made relative to minimum required payment. Remember that the bureaus report the minimum as well as have fields for what the last payment amount happened to have been.
There is certainly enough data there to make some inferences about monthly income...
Every payment on every revolving credit card in my report has been paid in full every month. I'm not sure I see how that they would be able to determine my income from that.