upon log in i saw this offer . I do have 12K personal CC and 9K business . If i applied will i be subject to Financial review??
I can think of no reason applying for the Gold Card would trigger a full on FR from AMEX. If you are actually referring to IV (income verification) which consists of consenting to a 4506-T request through EQ, then that is something that happens once you reach a certain limit with either your overall exposure though AMEX, or high individual CL. The most common occurance that gets mentioned around here for IV requests are requesting a CLI on one of your cards that would take the limit of that card north of $35,000. I would not worry about IV from applying for the Gold Card when you have 1 personal revolver and 1 business revolver.
@Ficoproblems247 wrote:I can think of no reason applying for the Gold Card would trigger a full on FR from AMEX. If you are actually referring to IV (income verification) which consists of consenting to a 4506-T request through EQ, then that is something that happens once you reach a certain limit with either your overall exposure though AMEX, or high individual CL. The most common occurance that gets mentioned around here for IV requests are requesting a CLI on one of your cards that would take the limit of that card north of $35,000. I would not worry about IV from applying for the Gold Card when you have 1 personal revolver and 1 business revolver.
+1^ and Oh Boy is that a sweet offer! 👌
@GApeachy wrote:
@Credit4Growth wrote:
@Ficoproblems247 wrote:I can think of no reason applying for the Gold Card would trigger a full on FR from AMEX. If you are actually referring to IV (income verification) which consists of consenting to a 4506-T request through EQ, then that is something that happens once you reach a certain limit with either your overall exposure though AMEX, or high individual CL. The most common occurance that gets mentioned around here for IV requests are requesting a CLI on one of your cards that would take the limit of that card north of $35,000. I would not worry about IV from applying for the Gold Card when you have 1 personal revolver and 1 business revolver.
+1^ and Oh Boy is that a sweet offer! 👌
Yeah, sweet offer...mine is 70k.
Let us know what you decide and good luck if you go for it!
I have given this offer a little more thought...
Does anyone else think the spend is just a bit high for a 90K. SUB?
What would be the return on spend given a fair/avergae valuation of those points?
- 😊 Thanks