You should really check on that man. I went through this with my Father N Law last year when he applied for a bigger mortgage and the bank only took in to account what he owed, not how much credit he had.
[quote=“sidewaze”]No, mortgages are given based on your income x 3, minus your debts owing be it a credit card, line of credit or load. Then what is left is what the bank will give you.
So lets say you earn $50,000.00 a year. Times 3 that’s $150,000.00. Then lets say you owe $25,000.00. That comes off the 150 and your mortgage offered to you would be $125,000.00.
quote]
thats what i meant by my previous comment. if you have a line of credit say for 10000 and your maximum is 12000. then the highest you would get for a credit card would be 2000. I work at a bank so im not talking out of my ass.
Wow thats cool, get me a loan. 
Wow thats cool, get me a loan. [/quote]
if u marry me i can get u an unbeatable staff rate
You are soooo beautifull, and my life has been all the better since you came in to it, please do me the honor of spending your life with me.
Will you merry me? :love:
Exactly!
All of these calculations are really too basic to make any decision here.
Credit companies analyze hundreds of pieces of information about you before they determine if they will give you credit and how much. It is not as simple as saying total income X 3.
Things to consider are: your age, your employeement, your income, your record with the bureau, how long you have had a record with the bureau, average age of your accounts, what types of accounts you have in your file, how many revolving acocunts, how often you turn over accounts, how often you apply for accounts, the list literally goes on for days.
At the end of the day it all boils down more to RISK (not income). A bank or credit card company will give a bum $1,000,000 if their modelling equations generate a risk score they can live with.
Bruce, try for the Petro-Points mastercard.
You get 0.02 off of each liter (big deal… not) but the credit limit is huge. I have a 17.9% interest rate and a $29,900 credit limit.
I started at $10,500 and then a few months later they bumped it to $22,200 and then just recently bumped it to $29,900.
They are trying to get me to spend it all those bastards. 
^^^^
Thanks man I’ll look in to that for sure.
I do want another card with a higher limit. There is some things I want to get in to and I’ll need more then the Canadian Tire card has.
I’ll let you know.
Take care.
Easy 8)