What is credit limit on your credit card and what is your salary?

kangaroorampage4

I'm trying to make this into a poll, so people can submit anonymously.

Jami74

My limits across all cards is about 30% of my annual gross salary. I could probably get more (keep getting offers to increase) but I can't imagine ever needing to spend a third of my annual salary in one go.

easterbunni

Total credit card limit available to me is 115% my annual salary

The main card I use is 16% of my annual salary

RBYHS

Total credit available is 20% out of my annual salary. 

wiseonesomeofthetime

Total credit card limit available to me is currently 96.50% of my annual income.

Current balance on cards (which are cleared each month anyway) is 2.4% of my total credit card limit.

Vinknut

40% of salary+bonus

Doesn't really mean much without the actual figures, which I don't want to post.

yksi

92% of my salary and since I work fulltime in retail, that ain't a crazy amount. I use about 70% of it as most is currently on 0% deals - I did this on purpose so that I could pay less interest on my loan.

I also have a 2k overdraft which I don't use.

As people hinted this thread will probably not really tell you much because the banks don't use a clean "percentage of income" thing to determine what they will lend. There's a set amount they assume you need to live on, and then they'll lend you more the more you earn. So someone earning £20k won't be offered double the person on £10k, even if their history is otherwise identical. The second person will probably be offered a £200 card if anything, because it's assumed their whole income goes on survival. Whereas the first person will be assumed to have leftover money every month to handle credit, and might get a 15-20k limit.

sonofmerton

an interesting one. a friend works in retail part time. i know she earns around 14k and has 20k worth of credit but doesn't use it. a neighbour has 95k worth of cards and earns 52k. i think they are still paid off. i only know her ins and out because i went out with her....

p3ncilsharpener

About 200% of my salary.

Sandtree

Its complicated as I mainly use a chargecard that has no specified limit

Ignore that and cards are about 25% of my annual salary however the chargecard alone will allow a one off transaction of circa 40% of my salary 

Roland_Sausage

£34,250 across 4 cards with salary around £31,000.

Cards are paid in full every month.