amex with lowest apr?

[Anonymous]

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

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Here is a clue for vagueness, name all the things you can include as "income."

[ezdoesit]

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@Anonymous wrote:

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

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Here is a clue for vagueness, name all the things you can include as "income."

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Again what is vague?  I name all of them but I can't prove any of them yes that makes sense.  You keeping working off the books as I wrote I would include off the books work as income on a CC app also alimony, but you can prove alimony.

[Anonymous]

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@ezdoesit wrote:

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@Anonymous wrote:

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

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Here is a clue for vagueness, name all the things you can include as "income."

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Again what is vague?  I name all of them but I can't prove any of them yes that makes sense.  You keeping working off the books as I wrote I would include off the books work as income on a CC app also alimony, but you can prove alimony.

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I think elPatitoFeo's point is more:

1) I put say $100K down as "Income" on my form

2) The pay from my job, and what I put on my tax form is really $50K

Is this a potential Federal felony?   Well, if there is nowhere I can point to that accounts for the $50K gap, maybe.  But if my spouse or parents have income/assets  that I can reasonably have access to, I can claim that that was what I was including as well.

[Anonymous]

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@ezdoesit wrote:

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@Anonymous wrote:

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

---

Here is a clue for vagueness, name all the things you can include as "income."

---

Again what is vague?  I name all of them but I can't prove any of them yes that makes sense.  You keeping working off the books as I wrote I would include off the books work as income on a CC app also alimony, but you can prove alimony.

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From what I recall, Banks want you to include all the money you could have access to if you needed to pay your bill.  So, we are not talking about a solid number, like many people simplistically take it.  It's an estimation of a number of potential sources of money and you confidence of having access to them.  So, if for example, you know your parents would give you 10k if you needed them, you "income" can suddenly increase, because it's all an estimation.  Estimations are vague.  One can make reasonable mistakes.  I was wrong in my good faith estimation?  My bad....

[chalupaman]

I'd also like to say that if you do decide to carry balances with Amex, you better be prepared to pay way more than just minimum payment. That's what I've done and have not had a single problem yet. My Delta Skymiles card doesn't even have a balance right now so I've been as conservative as I can with them and they've left me alone thankfully. Even was able to get two other cards with them and a 2x CLI with no problems (and at the time, I did still have a balance on that card but it was very low compared to the credit limit anyway, about 200 dollars or so).

[14Fiesta]

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@Anonymous wrote:

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@ezdoesit wrote:

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@Anonymous wrote:

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

---

Here is a clue for vagueness, name all the things you can include as "income."

---

Again what is vague?  I name all of them but I can't prove any of them yes that makes sense.  You keeping working off the books as I wrote I would include off the books work as income on a CC app also alimony, but you can prove alimony.

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From what I recall, Banks want you to include all the money you could have access to if you needed to pay your bill.  So, we are not talking about a solid number, like many people simplistically take it.  It's an estimation of a number of potential sources of money and you confidence of having access to them.  So, if for example, you know your parents would give you 10k if you needed them, you "income" can suddenly increase, because it's all an estimation.  Estimations are vague.  One can make reasonable mistakes.  I was wrong in my good faith estimation?  My bad....

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This is true, with the exception of a rule stated in the CARD Act of 2009. Anyone under the age of 21 can only include their actual income on a credit card application. This may or may not apply to you, but it does for me, so I have to take that into account when filling out apps.

[SunriseEarth]

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@Involver wrote:
To be fair, you're the one who brought up the fact that you couldn't prove your income.

If people provide you relevant information regarding applications and income it's not really their fault.

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+1.   Welcome to the Internet.  

[SunriseEarth]

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@takeshi74 wrote:

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@johnpalley wrote:

im not able to provide proof of income so cu's are out of the question at this point. 

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Keep in mind that AmEx income verifications (not just FR's are subject to income verification) are done via the 4506-T.  If you have no proof of income at all including tax transcripts then you're setting yourself up for trouble.

As other have said, it sounds like you're going about this backwards.  APR's and limits are based on your credit.  If you want the lowest APR's available then you should be looking at non-rewards cards.  Seek out an AmEx when there's an AmEx that suits your needs/wants versus trying to make AmEx fit your low APR, balance carrying requirements.

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@johnpalley wrote:

i guess theres no other info to get from anyone.

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You're asking others to do the work for you.  We'd have to look over the options and compare APR's just as you would.

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@johnpalley wrote:

its like they make you take the rewards with a higher apr when i dont want that. 

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They're not makng you do anything.  You're the one trying to make a square peg fit a round hole.  It's not uncommon for rewards to come with higher APR's and even AF's.  Thats precisely why there have been several recommending that you look at non-rewards cards with low APR's if a low APR is all you care about.

All we can do is offer input on the matters that you ask about.  What you do is your call.

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+1

[joedtx]

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@Anonymous wrote:

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@ezdoesit wrote:

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@Anonymous wrote:

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@ezdoesit wrote:

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You should expand on it.  What is vague on the CC app.  Your address?  SS # ?  Your income?  Does sound very vague.

---

Here is a clue for vagueness, name all the things you can include as "income."

---

Again what is vague?  I name all of them but I can't prove any of them yes that makes sense.  You keeping working off the books as I wrote I would include off the books work as income on a CC app also alimony, but you can prove alimony.

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From what I recall, Banks want you to include all the money you could have access to if you needed to pay your bill.  So, we are not talking about a solid number, like many people simplistically take it.  It's an estimation of a number of potential sources of money and you confidence of having access to them.  So, if for example, you know your parents would give you 10k if you needed them, you "income" can suddenly increase, because it's all an estimation.  Estimations are vague.  One can make reasonable mistakes.  I was wrong in my good faith estimation?  My bad....

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@+ 1 @ theuglyduckling  

btw: do you carry the duck card? lol