To this day I don't know the reason and I asked why. The answer I got was that sometimes new accounts get FR'd. I personally believe is that it had to do with the types of accounts reported on my CR. I had Credit One, Orchard as open TLs with relatively low limits and on my app I reported an income of +100K. The numbers didn't jive I guess. That's my best educated guess.
Starting Score: 642 Current Score: EQ 773, EX 780, TU 777 (All FICO) Goal Score: 800+ Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K
AMEX is not the only card issuer that wil request financial documentation. They do it more frequently then others.
One of the triggers I know of or at least for me was requesting too many CLIs for 3 of my credit cards over a short amount of time. I had $75K in unsecured credit not incluing my charge cards. I can TOTALLY understand the FR.. However, I did not need to submit bank information. I simply allowed them to see my tax information.
AMEX GOLD-No Pre-Set Limit, AMEX Blue-$25K, AMEX Clear-$25K, AMEX Optima Plat-$25K, Sam;s Club $10K, Cap One $6K, Citi Plat.-$11K, Discover More -$10K, Columbia Bank-$9K