Since you said "most of ours" I just wanted to make sure you're adding up all your Chase CL's to compare to household income, not the individual card CL's. Chase is looking at the person as a whole to assess how much credit they've extended across all cards, both business and personal. So if you personally have 3 cards, one at 30k, one at 15k, and another at 5k, then you have 50k in credit extended. If your HHI is 100k, then you've reached that 50% threshold that starts making auto approvals iffy; if you're HHI is 150k, then you're at 33% and still good.
They seem willing to extend more credit than 50% of income, but you have a better chance of getting auto approved for it if your existing CL's are under it. Chase for a long time was happy to give me 60% of my reported income. But I was at half or below that before I applied for each card. And just because we're discussing it I'll also mention that there seems to be a ceiling that they don't like to cross regardless of reported income, I think it was mentioned around 70k in CLs.