- Centurion Member
- Posts: 4145
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
If I was trying to get total CLs with a lender above $20k, I'd probably agree to sign one. Right now, the only lenders I have that much credit with are Amex and Chase. Neither has asked for a 4506-T, though Chase gets my direct deposits and the Amex/Schwab partnership gives Amex limited proof of assets.
I'm not sure what to make of the whole Synchrony/LexisNexis shebang, but I might avoid giving one to them. The only Synchrony card I've ever had was Brooks Brothers (which they sold to Citi). I'm not considering any other Synchrony cards at present, so that issue is pretty much moot.
It would take a lot to make me go back to debit cards and checks.
I spread my spending across several cards, and my CLs are adequate. I don't see any likely 4506-T forms in the near future. Buying a home is probably at least a year away.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival and Brooks Bros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH