Author Topic: best amount to put on cc application for "Total Annual Income"? (Read 7301 times)

moe · « **on:** March 09, 2010, 06:01:14 PM »

Does anyone have any info? (if there are no "real" records on your earnings, will it be better to list a high digit like $150k or low digit like $30k?)

MOSES · « **Reply #1 on:** March 09, 2010, 07:12:57 PM »

Are you a dependant? You can list your annual household income (including you parents)

moe · « **Reply #2 on:** March 09, 2010, 07:44:52 PM »

Quote from: Moshke on March 09, 2010, 07:12:57 PM

Are you a dependant? You can list your annual household income (including you parents)

i dont mean legaly, i mean for best chance to get accepted.

Dan · « **Reply #3 on:** March 09, 2010, 08:40:10 PM »

If you say a 6 digit number without any real income it'll probably raise a red flag.

MOSES · « **Reply #4 on:** March 10, 2010, 05:30:57 AM »

Quote from: moe on March 09, 2010, 07:44:52 PM

i dont mean legaly, i mean for best chance to get accepted.

my advice, do not mess around. I just got FRed by amex

gozalim · « **Reply #5 on:** March 10, 2010, 10:03:36 AM »

Quote from: moe on March 09, 2010, 07:44:52 PM

i dont mean legaly, i mean for best chance to get accepted.

even without having them co-sign? (without including their SSN?) i.e. in a FR will they accept any pay stub from that address?

aygart · « **Reply #6 on:** April 11, 2010, 07:40:34 PM »

There is often a separate household income line.

Yellow · « **Reply #7 on:** April 11, 2010, 08:07:50 PM »

How about applying for
a cc when someone loses their job?? How does that work?? Because then
they technically have zero income...

moe · « **Reply #8 on:** April 11, 2010, 10:09:04 PM »

Quote from: DealPrincess on April 11, 2010, 08:07:50 PM

How about applying for
a cc when someone loses their job?? How does that work?? Because then
they technically have zero income...

nobody has to know about that...

Yellow · « **Reply #9 on:** April 12, 2010, 01:46:08 AM »

Quote from: moe on April 11, 2010, 10:09:04 PM

nobody has to know about that...

aha I see... So what do you write when they ask you who your employer is? And how much should you put down as earnings?

moe · « **Reply #10 on:** April 12, 2010, 11:12:13 AM »

Quote from: DealPrincess on April 12, 2010, 01:46:08 AM

aha I see... So what do you write when they ask you who your employer is? And how much should you put down as earnings?

self employed!

Dan · « **Reply #11 on:** April 12, 2010, 11:35:17 AM »

Quote from: moe on April 12, 2010, 11:12:13 AM

self employed!

+1
Self-employed/Sole Proprietorship is what I apply as.
I love when they call to ask about Daniel Eleff's work status

chasid613 · « **Reply #12 on:** April 13, 2010, 04:35:36 PM »

I have very bad credit. I now run a business & would love to get a credit/charge card to pay bills and accumulate points.
Any suggestions?

Charles The Govenor · « **Reply #13 on:** April 14, 2010, 01:59:52 AM »

Try a secured cc too get it backup.

chasid613 · « **Reply #14 on:** April 14, 2010, 01:01:40 PM »

Which card would be the best place to start?

Dan · « **Reply #15 on:** April 14, 2010, 01:27:23 PM »

Quote from: chasid613 on April 14, 2010, 01:01:40 PM

Which card would be the best place to start?

Try to get a card from GAP or for someone related to you with good credit to add you as a joint user.

moe · « **Reply #16 on:** November 18, 2010, 12:08:51 PM »

I'd still like to know from past experiences, what credit amount reported got accepted. Also, does anyone know the officially lowest amount required to get accepted. 3rd, (slightly off topic) anyone know which AMEX credit card is EASIEST to get accepted to (or are they all the same), for someone who never had an AMEX approved before, or for someone who got FR'd (me!)?

jong · « **Reply #17 on:** November 18, 2010, 01:21:50 PM »

104,000 is my go to number

gozalim · « **Reply #18 on:** November 18, 2010, 01:25:50 PM »

i know people who put 100k and got no questions and i know people who put 65k and were questioned because they were self-employed (although he ignored the question and got the card anyway)

miles · « **Reply #19 on:** November 24, 2010, 02:47:13 PM »

Quote from: Dan on April 12, 2010, 11:35:17 AM

+1
Self-employed/Sole Proprietorship is what I apply as.
I love when they call to ask about Daniel Eleff's work status

do u have proof for the amount u enter