Using future income on CC application

[Anonymous]

Hi everyone, I've been reading up quite a bit and only found a couple snippets of info on this. I am graduating this December and have already accepted a full time job offer that I will begin sometime during the spring. 

I am looking into applying for a travel card as I want to do a fair amount of traveling in my time off. Ideally, I would want to apply for the Sapphire Reserve card or the preferred if CSR is out of reach but not sure if it would be worthwhile. I would only stand a chance if I put my future salary as income, has anyone done this or know if it is acceptable to do? Getting the card now would also make it easier to hit the $4000 spend if I have it to put my travel expenses on. Some other background

Oldest card is about 3 years old, co-signed by a parent-CL $5000

Authorized user of a Sapphire Preferred

The remainder are in my name only

AMEX Blue Cash preferred-CL $8800

Chase Freedom Unlimited-CL $3400

Transunion-769

Equifax-770

FICO-764

Future Salary-$60,0000 + bonus + investment income

[Anonymous]

Welcome to the board.  It does not work that way thus, putting a future income on the application.  Also, you don't want to try something like that with Chase of all banks.  Put whatever income you have now on the application.

[Anonymous]

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@Anonymous wrote:

Welcome to the board.  It does not work that way thus, putting a future income on the application.  Also, you don't want to try something like that with Chase of all banks.  Put whatever income you have now on the application.

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OP, please listen to this advice. 

[CreditCuriosity]

Card will still be there when you actually have your job in the spring.  Honesty is the best policy.

[Anonymous]

I appreciate the responses everyone. I agree honesty is the best policy and I'd never outright lie on an application. I was just more curious as to what acceptable methods were for arriving at gross income. Whether it be your TTM income, current paychecks just annualized, or future 12 months, etc. 

[Anonymous]

Typical income verification is current paychecks or previous years tax info. 

Think of it this way, they only want verifiable income and you have no way to prove future income. 

[805orbust]

Hey, am I the only one who thinks he'll get an approval?  I think your current file supports it, however the SL may be iffy. You can NEVER go wrong by waiting a few months however. Sound advice you've received here. Best of luck, you seem to have a good head on your shoulders.

[Anonymous]

I agree I think he will get instant approval.

[Anonymous]

If i wanted to maximize my odds, would it be best to just apply online? Or go into a branch and possibly bring my offer letter for my job to explain the situation and that my annual income will be around 65k in a few months?

[Anonymous]

An offer letter doesn't mean you have the job... The company could have financial trouble or you may not be able to take the job.