Originally Posted by muanick

Just did a MDD with CSP and CSR this week. CSP auto approved 2/8, and applied for CSR next morning. Was fully expecting to have to call in and move credit lines around as the $10,000 minimum CL for Visa Infinite would put me over 50% CL to the income I reported on application (the common conception is that 50% is the maximum they will approve for). But to my surprise, instant approval with said $10,000 CL. Currently sitting at like 62% CL to income.

I started a new job in the middle last year so income on W2 is very low, and they never asked for pay stubs. So... not sure what metrics they use. Honor system?