American express without income documents

[PEER WAHAJ]

I have mrcc i just applied plat travel i didn’t get any link to upload documents in the email.
Does it mean it’s on income waiver?

 

[NikTravelEnthusiast]

@BestBanker can help here.

 

[Deleted member 13981]

I have mrcc i just applied plat travel i didn’t get any link to upload documents in the email.
Does it mean it’s on income waiver?

Yup. You'll get it without income documents.

 

[zaid_2913]

I

Lucky you!!

Now a days they are not asking for income proof most of the times, i have applied 3 cards in my family and all approved without any documents. And everyone got more than 4 lakhs limit.

 

[RkrRkr is verified member.]

I have mrcc i just applied plat travel i didn’t get any link to upload documents in the email.
Does it mean it’s on income waiver?

Yes .No income document required in your case.

 

[PEER WAHAJ]

Can they approve plat charge or gold without income docs?

I

Now a days they are not asking for income proof most of the times, i have applied 3 cards in my family and all approved without any documents. And everyone got more than 4 lakhs limi

 

[RkrRkr is verified member.]

Can they approve plat charge or gold without income docs?

That depends on details you have provided to them during appliaction and the system alogrithm.

 

[PEER WAHAJ]

Do you have any idea what details to fill so that it can be approved without docs gold or plat.
Already holding plat travel and mrcc

That depends on details you have provided to them during appliaction and the system alogrithm.

 

[Aquarab]

I

Now a days they are not asking for income proof most of the times, i have applied 3 cards in my family and all approved without any documents. And everyone got more than 4 lakhs limit.

What is the link and process for application?

 

[zaid_2913]

Do you have any idea what details to fill so that it can be approved without docs gold or plat.
Already holding plat travel and mrcc

It will not work like that, the details available with CIBIL should match with the details provided by you.

 

[zaid_2913]

What is the link and process for application?

First card i applied directly from website, rest 2 with my referral link.

 

[prashhant]

Can we still get this card without Income Documents?

 

[varun__goel_]

Can we still get this card without Income Documents?

For some they ask, for some they do not

 

[prashhant]

Depends on person to person. For some they ask, for some they do not

Any specific criteria for not asking?

 

[varun__goel_]

Any specific criteria for not asking?

N o o

 

[paxauquabriba-4876]

amex without income doc is never heard of, they even ask for income docs on limit increase.
but again what do i know

 

[Riya]

I have mrcc i just applied plat travel i didn’t get any link to upload documents in the email.
Does it mean it’s on income waiver?

It means you are pre approved....
AMEX is trying to flood the mkt with plat travel cards...
Getting a mail almost every second day that the offer has been extended especially for you...
I don't know what's on their mind...

 

[varun__goel_]

amex without income doc is never heard of, they even ask for income docs on limit increase.
but again what do i know

They do provide cards without docs, just based on cibil

They also provide LE without docs just on call

 

[vaibhav111vaibhav111 is verified member.]

In my experience, regardless of your CIBIL score or income, if you've had a supplementary card previously—meaning the primary cardholder was your dad, mom, or a family relative—and kept the card active for as long as possible before canceling and reapplying after six months, you may not need income documentation for any of the top three cards, except for the Platinum Charge (because I haven't applied for it yet). That's one sure way, as everyone I've referred had to upload income documents, whereas I had a supplementary card in my name from 2015 to 2019. Now, I hold all three: Gold, Platinum Travel, and MRCC

 

[coolguy1]

What Vaibhav said above makes sense but I have also noticed a lot of friends joining Amex for the first time and were never asked for their income documents.

What we see is the CIBIL score, credit profile and age but I think AmEx has a lot more data and information points.
Based on this, their algorithm does some calculations depending on whether the information submitted in your profile matches their data or not.

If the data matches, your income proof isn't asked for and you get approved directly.

If something doesn't look right, they ask for the income docs to verify the information manually and then approve it.