While looking over her limits, balances etc. I noticed that her total credit lines come to about 20K, her income is only 29K. I realize this could be a potential problem where loans are concerned, but even though her total lines don't seem outrageously high, it just has me concerned. Not trying to get too personal of course, but for the average what are you lines and incomes, percentage wise? My lines are around 15K, income 30K so around 50% of my income.