First Amex app--income verification????

[Anonymous]

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@jawbrkr wrote:

They asked the for the same from me.I applied for my first Amex ED card and was approved with a $5000 limit. They asked me to fill out a form online giving them permission to request a copy of my most recent tax returns. I gave it to them and within a few days I was approved. 

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@Anonymous wrote:

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@Anonymous wrote:

I included my husbands income as well because it said you can include all income you have access to.  That was my first time every including his and now I feel like I shouldn't have.  It was an honest number of our combined income, actually probably a little low.  But I am concerned if they pull taxes because we both started new jobs in the last 5-6 months that is not reflected in tax returns...so it will look like it was untrue.  I can supply paystubs that show the amount I put, just not near that ballpark on taxes.

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@Anonymous,

I think your best bet is once you receive the form or before, call Amex and tell them what you just said and see if they are OK with paystubs.  All the best and will keep fingers crossed for you.  Keep us posted..

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Be very interesting to find out whether it's purely random or some trigger that causes them to ask for income verification on your first card.

[Anonymous]

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@Anonymous wrote:

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@jawbrkr wrote:

They asked the for the same from me.I applied for my first Amex ED card and was approved with a $5000 limit. They asked me to fill out a form online giving them permission to request a copy of my most recent tax returns. I gave it to them and within a few days I was approved. 

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@Anonymous wrote:

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@Anonymous wrote:

I included my husbands income as well because it said you can include all income you have access to.  That was my first time every including his and now I feel like I shouldn't have.  It was an honest number of our combined income, actually probably a little low.  But I am concerned if they pull taxes because we both started new jobs in the last 5-6 months that is not reflected in tax returns...so it will look like it was untrue.  I can supply paystubs that show the amount I put, just not near that ballpark on taxes.

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@Anonymous,

I think your best bet is once you receive the form or before, call Amex and tell them what you just said and see if they are OK with paystubs.  All the best and will keep fingers crossed for you.  Keep us posted..

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Be very interesting to find out whether it's purely random or some trigger that causes them to ask for income verification on your first card.

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Agreed.  i'd be curous also..

[jawbrkr]

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@Anonymous wrote:

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@Anonymous wrote:

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@jawbrkr wrote:

They asked the for the same from me.I applied for my first Amex ED card and was approved with a $5000 limit. They asked me to fill out a form online giving them permission to request a copy of my most recent tax returns. I gave it to them and within a few days I was approved. 

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@Anonymous wrote:

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@Anonymous wrote:

I included my husbands income as well because it said you can include all income you have access to.  That was my first time every including his and now I feel like I shouldn't have.  It was an honest number of our combined income, actually probably a little low.  But I am concerned if they pull taxes because we both started new jobs in the last 5-6 months that is not reflected in tax returns...so it will look like it was untrue.  I can supply paystubs that show the amount I put, just not near that ballpark on taxes.

---

@Anonymous,

I think your best bet is once you receive the form or before, call Amex and tell them what you just said and see if they are OK with paystubs.  All the best and will keep fingers crossed for you.  Keep us posted..

---

---

Be very interesting to find out whether it's purely random or some trigger that causes them to ask for income verification on your first card.

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Agreed.  i'd be curous also..

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I have a blank slate so I am not sure what, if anything, would trigger that request. I am guessing they simply wanted to confirm my income. Just a guess.

[Anonymous]

So, after being told last night they were sending things to verify income, my status online has now changed to denied.  I am ok with denial after thinking I was going to have a bad experience with a review.  I honestly didn't think I would really get approved anyway. 

Lesson learned that in the future I will only state my income that taxes will show to eliminate that stress!

[chalupaman]

I think maybe applying with that low of a score could have triggered the income verification. I haven't heard about as many people with higher FICOs having to go through that from Amex at least. That's just my hypothesis here.

[Anonymous]

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@Anonymous wrote:

So, after being told last night they were sending things to verify income, my status online has now changed to denied.  I am ok with denial after thinking I was going to have a bad experience with a review.  I honestly didn't think I would really get approved anyway. 

Lesson learned that in the future I will only state my income that taxes will show to eliminate that stress!

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@Anonymous,

Sorry to hear about the denial.. Give it some time and apply again.

[Hokies2379]

Seeing some of the approvals with even lower scores than that, my guess would be that the income verification came from claiming a six figure income.  But who really knows.  I've seen some people approved with scores 20 points lower than the one said here, it just all depends, I guess, on what's in the files.

[SecretAzure]

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@Anonymous wrote:

So, after being told last night they were sending things to verify income, my status online has now changed to denied.  I am ok with denial after thinking I was going to have a bad experience with a review.  I honestly didn't think I would really get approved anyway. 

Lesson learned that in the future I will only state my income that taxes will show to eliminate that stress!

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Don't go by the online status, if you get the letter in the mail send in the info anyways. They can still approve you, it's very possible. Don't give up for no reason!

[ThriftySaver]

I plan on helping my girlfriend apply for her first business gold charge  card, her credit score is 700 and her card was 1.5 years ago, is it worth applying. And does amex have translaters?

[Anonymous]

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@chalupaman wrote:

I think maybe applying with that low of a score could have triggered the income verification. I haven't heard about as many people with higher FICOs having to go through that from Amex at least. That's just my hypothesis here.

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I agree.  I would wait until your scores are a bit higher.  I put my income and my husband's since we also have a business together.  All of our funds are mostly in the same bank and we do have accounts together.  No reason why I can see that as a problem down the road for you. If both of you pay the bills, then you have the right to include his income unless the cc company actually states just your income.