Does American Express always require proof of income

[Awesomely]

for new applications? I am thinking about applying but won't if they will require a tax form or something like that to prove the income. I got a Gold invite in the mail and this would be my first  American Express card. I actually would prefer one of their credit cards but I don't want to get denied and get hit with an inquiry. Thanks.

[vish1]

No. Only the applications which somehow get flagged by their computer for financial review which is not common.

[Anonymous]

No...BUT, with regards to AMEX, you should be able to prove the income you declare if required to do so.

Also, the GOLD card is a charge card (not a credit card) and reuqires the balance to be paid in full every statement.

Do you know your scores???  I think getting a charge first is actually easier than a credit card first.  I also think having a mortgage/owning a home (paid for) helps as well.

[trumpet-205]

Nope, but you need to be able to prove your income should AMEX decided to do a financial review with you. Failure to do so may lead to CLD or account suspension.

[Awesomely]

Yeah sorry I meant that it might be difficult to get the Blue Cash that I want without a pre-approval and it might be easier to just get one of their charge cards just to build a relationship with them since I was pre-approved for the Zync, Green and Gold. My Equifax score is around 730 and I don't have any tax forms since I just get paid in cash and I work for my father in another job so it would be difficult to prove it.

[lenz99]

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@Awesomely wrote:

Yeah sorry I meant that it might be difficult to get the Blue Cash that I want without a pre-approval and it might be easier to just get one of their charge cards just to build a relationship with them since I was pre-approved for the Zync, Green and Gold. My Equifax score is around 730 and I don't have any tax forms since I just get paid in cash and I work for my father in another job so it would be difficult to prove it.

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Never hurt to try, u can apply a charge card first if it approves go for Blue Cash, since its only one inq if you do the app(s) within 24 hours. Pre-approval doesn't matter that much, last year, I was also preapproved for Green/Gold but not any credit cards and I was able to get a Clear after the Gold.

[Awesomely]

How long after you got the Gold did you apply for the Clear?

[lenz99]

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@Awesomely wrote:

How long after you got the Gold did you apply for the Clear?

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10 minutes? applied right after Gold's approval and only one inq for both cards.

[Awesomely]

and you were a new customer to them? If so that's great.