Michael Battle, WalletHub Credit Card Analyst
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There is no way to know for sure if American Express will verify your income on a new application or a credit line increase request. That’s because American Express does not publicly disclose this information.
What you should know about the American Express income verification process:
- If Amex does request proof of income, you’ll receive a reference number either by mail or email. This number will give you access to the American Express income verification portal.
- You’ll often be able to prove your income by submitting a job offer letter, showing your pay stubs, or filling out a form that allows American Express to access your tax returns.
- Keep in mind that income verification is not the same as an Amex Financial Review, which is a more in-depth review of your finances due to fraud suspicion or other factors.
While American Express probably won’t ask to verify your income, it’s not a good idea to lie about your income on an application. In fact, providing false information on a credit card application is against federal law. Therefore, you’re much better off being honest when applying for an American Express credit card.
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