Interesting income / credit card question ..

[OmarGB9]

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@core wrote:

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@OmarGB9 wrote:
I suppose technically they go off of current income.

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Yeah but how do you come up with a figure for "current income"?  That's the question.   Don't even start with "salary" or "hourly".  Some folks create jobs rather than taking them up.

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I would've actually said maybe use bank statements and figure out an average or something.

[FinStar]

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@Anonymous wrote:

If you are worried about it:

Use what you can explain / prove. If Amex requires a 4056T and you are concerned then use last years income. 

But take into consideration that some want last years TR along with last 2 pay stubs. If you applied in March and they ask in December it does not matter unless you stated income way over the last tax return. If you applied in Nov and they ask in december then it better match what you pay stubs say.

Bottom line, don't over think it, use what you can explain / prove. And if you don't the worst that could happen is they take your card away....

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This ^ OP.  As a couple others have mentioned, you're way overthinking this.  It's always a good thing to be prepared "just in case" should this ever come up, but just make sure you can provide proof of it when (and if) AmEx (or any other lender) needs it.