Originally Posted by
theplayer
$4k limit on an ink card is very low. What is your total credit limit with Chase as a % of income? As a rule of thumb, I like to keep my CL below 50%..always get instant approvals.
Yeah. That's baffling. My total credit line with Chase is ~8% of my income. Add my other credit cards and my total credit line is maybe 1/7th of my income. Add my HELOC and now I'm at like 1/3rd of my income. I think she just got spooked by the fact that I went from 0 utilization to 27% so fast. Also, a lot of this available credit is new lines of credit, including the HELOC. I'm probably looking like a high risk from all the sudden change.