AMEX asking proof of Income.

[CreditCrusader]

---

3) Income matters, always. If you dont have income, you usually wont get a card. You need verifiable income. If they asked you for proof of income, you will always be asked that by Amex.

---

This is why we remind people over and over at MyFico that it's not enough to have the "right" credit score. One can attain a strong 700s FICO score through piggybacking the credit of others as an AU...and with very little verifiable income. You can get away with that on score/profile-based CCC applications (like Comenity, Synch and other CCCs), but companies like Discover, AMEX and even Cap 1 are getting extremely vigilent where income verification is concerned.

Income indeed always matters...never more so than when the economy is heading full-speed toward turmoil and what are likely a slew of rate hikes in the months and years to follow.

AMEX needs to verify that prospective and present cardholders can pay off their balances. In failing to provide the income verification at the outset, I'd wager they have flagged you in their system moving forward. Any application decision you receive will come with that income verification attached, so it would be wise to heed the advice of the wise members weighing in during this thread.

[Ladyofthelake]

I want to thank you everyone for replying my post. 
I have gianted so much acknowledge.

I will NOT reapply Amex (nor discover) till I have verifiable income.  
chase in the other hand. Didn't give me that issue through.

[DCSportsJunkie]

---

@Ladyofthelake wrote:

I want to thank you everyone for replying my post. 
I have gianted so much acknowledge.

I will NOT reapply Amex (nor discover) till I have verifiable income.  
chase in the other hand. Didn't give me that issue through.

---

If you don't mind my asking, what Chase card did you get approved?

[NyaBuksh]

Any application that you submit can trigger an income verification and you should be ready for that.

[DONZI]

@Ladyofthelake-- hello!

How long have you been living in the USA?

Have you established yourself somewhat in the USA?

..Permanent Resident Card, Driver's license, Social Security, utility bills, etc. in your name of any kind?

Maybe lack of some of those usual vital statistics are related to the reaction of American Express also.

[Ladyofthelake]

---

@DCSportsJunkie wrote:

---

@Ladyofthelake wrote:

I want to thank you everyone for replying my post. 
I have gianted so much acknowledge.

I will NOT reapply Amex (nor discover) till I have verifiable income.  
chase in the other hand. Didn't give me that issue through.

---

If you don't mind my asking, what Chase card did you get approved?

---

CSP limit 5K

[Ladyofthelake]

---

@NyaBuksh wrote:

Any application that you submit can trigger an income verification and you should be ready for that.

---

Thanks will not apply AMEX anymore.  

[Ladyofthelake]

---

@DONZI wrote:

@Ladyofthelake-- hello!

How long have you been living in the USA?

Have you established yourself somewhat in the USA?

..Permanent Resident Card, Driver's license, Social Security, utility bills, etc. in your name of any kind?

Maybe lack of some of those usual vital statistics are related to the reaction of American Express also.

---

Yes. I have everything you mentioned. 

[Capricornwon]

Just curious what amount did you put down for income that triggered POI @Ladyofthelake?

[Ladyofthelake]

$60,000