Thread 60544943

I opened up a US bank account to withdraw crypto (I'm not American) then after 7 years Capital One sent me an offer for an secured credit card. I accepted, I used the card for 7 months or so and then Capital One gave me my security deposit back and increase my limit, then Discoverer sent me a card and now American Express sent me a card... should I rugpull? I could rack up like $20,000 and never pay anything since again I'm not American.

>>60544943 (OP)
do you have a credit limit that you can push further? id expect having 7 years of bank account history should be worth more than 20k but i dont have ideas

>>60544943 (OP)
depends... do you care about being able to rent an apartment or get a job in America at any point in the next eight years? Because if you blow up your credit score, no one here will hire you or lease you an apartment.

>>60544954
>7 years of bank account history should be worth more than 20k
I've had my bank account for 22 years and my credit limit is either $5k or $7k (._ . )

>>60544954
>>60544962
your credit history and credit score matter less compared to your annual income.

for example, it would be retarded to give a $20k credit limit to someone with a credit score of 800 but an annual income of $35k

whereas it would be reasonable to give a $20k credit limit to someone with a credit score of 650 but an income of $100k.

>>60544980
>whereas it would be reasonable to give a $20k credit limit to someone with a credit score of 650 but an income of $100k.
Would it? My credit score is 840 and I make $95k. It's all so tiresome.

>>60544980
>>60544962

i request credit increases regularly on the bank website and when they ask my employment I just choose a random high paying job (im unemployed) they ask for employment status updates regularly not sure why

>>60544990
assuming it's your only line of credit, and you have no other debts, yes 20% debt-to-income would be a very reasonable amount of risk for the bank to take

>>60544954
Yeah I got an offer for an better Capital One card that I can get, I mean the US bank account is useful, but it's tempting to take the money and run, maybe I should increase it even more first...

>>60544957
the last time I lived in the US was when Bush was in office, I have never worked there, only college. I don't have residency.

>>60544994
got my limit up to $60k so far btw keeping credit card balance ~$0 the whole time