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I think income and prior history with AMEX matters a lot. I was approved to Platinum last week with 91% utilization on reports... I have been running 80-90% utilization from last 8-9 months.
Without a history with them, not so much. With a history, the "income" portion becomes increasingly important when levels of spending increase.
I speculate that once spending hits north of $15K per month, income and type of spending takes on more and more importance. For CLs and montly spends more than $25K, I'd imagine financial documents will be requested in the form of a 4056T, which then would make "income and assets" the MOST important.
@Open123 wrote:Without a history with them, not so much. With a history, the "income" portion becomes increasingly important when levels of spending increase.
I speculate that once spending hits north of $15K per month, income and type of spending takes on more and more importance. For CLs and montly spends more than $25K, I'd imagine financial documents will be requested in the form of a 4056T, which then would make "income and assets" the MOST important.
Does being an AU on an AMEX card count as personal history with them?
@CreditSnob wrote:
@Open123 wrote:Without a history with them, not so much. With a history, the "income" portion becomes increasingly important when levels of spending increase.
I speculate that once spending hits north of $15K per month, income and type of spending takes on more and more importance. For CLs and montly spends more than $25K, I'd imagine financial documents will be requested in the form of a 4056T, which then would make "income and assets" the MOST important.
Does being an AU on an AMEX card count as personal history with them?
Yes, but I'm sure to what extent. I'd imagine it'd be on a case by case basis, but Amex certainly tracks AUs.