@Anonymous wrote:
@Anonymous I was thinking about if i could go to 18k in 181 days but IDK if my income supports it. I make 67k/yr so i wasnt sure
@Anonymous Amex usually doesn't require income verification or manual review for for credit lines $25k and under. Absolutely not telling you to overstate your income, but make sure you include all income sources and update your profile online to match.. Additionally, they're scoring and risk assesment for CLI's seem to rely alot on usage (lots of swipes) spend patterns and at their core, they still like customers who PIF every month. They like making their $$$ on merchants and the higher transaction fee the usually comes with accepting Amex cards. There's a link below to a pretty good thread on Amex and income verification below. If you share a little more about your profile like AAoA, Fico 08 Scores, Inq's etc that's always helpful too. Last, once you get to that 181 days, remember to backdoor into your EX report and look for the most recent "American Express 2" soft pulls, that will usually be the snapshot and score used to approve/decline your request, I waited a bit longer than the 61 days for my first 3x CLI because I wanted them to use a more recent soft pull.
http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Income-Verification/m-p/4156185#U4156185
