Amex card rules for anticipated change in financial status

[jkcool]

What are the rules around income changes in next 6-12 months of opening an Amex card ? Planning to apply an AMEX card before going on maternity leave. Income will drop but still above the Amex requirement for the card I am applying.

[HampshireHog]

Shhh! But wait for @JDB

[Rob]

I really wouldn’t worry too much about it as long as you intend to return.

[Matt]

I’d be very surprised if that mattered, because Amex would be opening themselves up to all sorts of discrimination claims if they refused you an account because you’re pregnant.

[CJD]

It potentially matters if you declare that your income is likely to change in the next 6 months.

[phantomchickenz]

I’m pretty sure the application processes asks for your annual income – not your predicted annual income. You could always do a dummy booking to confirm. It’s a risk assessment from Amex to determine whether you’re able to pay your debts (as opposed to a product requirement a la Premier Banking) – as long as you’re comfortable with being able to cover your bills I wouldn’t worry about it.

[John]

What’s a “dummy booking”? Filling out the soft checker with different incomes may be recorded, possibly with agencies such as N Hunter, and could lead to Amex asking for further verification

[BBbetter]

As Rob says, dont overthink it. Amex has other sources to check your data. The only people who should be worried are those lying on the application or constant churners.

[phantomchickenz]

John wrote:

What’s a “dummy booking”? Filling out the soft checker with different incomes may be recorded, possibly with agencies such as N Hunter, and could lead to Amex asking for further verification

Partially complete an application with false information just to see what information is requested, and never submit it.