So the USAA rep said.....

[Jarrodpd]

I was talking with the rep on the phone and was told that I could include my parents income on my CLI. This is the first I have heard of being able to do that, was I going to second guess??? No, So after I stated the combined income my limit was increased by $5.5k to $8K. Im completely baffled.

Also, I was asking about the MasterCard > Visa conversion and was told that even though my card expires in 2 months I will still get issued a Mastercard as the Visa's are being randomly selected and may not transition till later this year on my account.

[Anonymous]

Perhaps they are using household income.?

[darkfrosty]

Most cards normally ask for household income

[lindsaydruart]

I forget what card it was for, I want to say it was Comenity but they said if you are over the age of 21, you can include the income of others if you have access to their income. I'm almost positive that was Comenity. When you call for a CLI over the phone, the automated system says that.

[Jarrodpd]

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@lindsaydruart wrote:

I forget what card it was for, I want to say it was Comenity but they said if you are over the age of 21, you can include the income of others if you have access to their income. I'm almost positive that was Comenity. When you call for a CLI over the phone, the automated system says that.

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I just hope there isnt a major discrepancy, I called Amex to check if they had the same pratice and they informed me they didnt not. So there is bascially ~$150K gap between income reporting. Though luckily I was able to get my Amex raised to $12k, I hope they dont do digging and realise. Last thing I want is an FR. 

[UncleB]

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@Jarrodpd wrote:

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@lindsaydruart wrote:

I forget what card it was for, I want to say it was Comenity but they said if you are over the age of 21, you can include the income of others if you have access to their income. I'm almost positive that was Comenity. When you call for a CLI over the phone, the automated system says that.

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I just hope there isnt a major discrepancy, I called Amex to check if they had the same pratice and they informed me they didnt not. So there is bascially ~$150K gap between income reporting. Though luckily I was able to get my Amex raised to $12k, I hope they dont do digging and realise. Last thing I want is an FR. 

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I think you'll be fine. 

The income amount you give to USAA will stay with them, and you can continue to report only your 'personal' income directly to Amex.  That way if at some point in the future you need to verify things with Amex (which is actually very unlikely unless you gain high exposure with them) you won't have any problems.

Enjoy your new CLI! 

[Anonymous]

There are some creditors that say if you're over 21 that you can include HH income.

[takeshi74]

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@Jarrodpd wrote:

I hope they dont do digging and realise. Last thing I want is an FR. 

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What income did you provide AmEx?  As long as what you provided and what's on yout tax transcripts are reasoably close you're fine.  It's not just FR's that matter but income verification as well.  Both utilize the 4506-T for tax transcripts.

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@darkfrosty wrote:
Most cards normally ask for household income

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That said, the applicant needs to have access to the income stated.  Everyone does not have full access to their parents' income.