You could be making six figures a year, but if your credit habits are messy, banks won’t trust you. On the flip side, someone with modest income but disciplined credit behavior will always win in the eyes of lenders.
✅ Lenders care more about consistency, discipline, and reliability than flashy paychecks.
✅ Paying on time, keeping your utilization low, and managing accounts wisely show true financial maturity.
✅ Smart credit habits make you a *low-risk borrower* which means better approvals, higher limits, and lower interest rates.
Bottom line: it’s not how much you make that matters. It’s how responsibly you manage what you have.