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?

 

[vaibhav111vaibhav111 is verified member.]

bro did you get gold charge without docs? is your employment info available in ur cibil report at the time of applying for gold charge? can you tell me about your journey to get gold charge as i also have mrcc supplementary for few months and i want gold charge without income docs

yeah i got gold card without any income doc cause amex already know about me cause of mrcc so yeah it should be same for you too, and yes in my cibil I'm self employed so aka business address and ITR from past 5yr+ I'm been filling so yeah go ahead and apply for gold in dec cause now amex isn't running any offer where you can get more collectible so kindly wait if you can plus 10k amazon limit so it good card for FYF only as my usgae.

 

[harishracha]

yeah i got gold card without any income doc cause amex already know about me cause of mrcc so yeah it should be same for you too, and yes in my cibil I'm self employed so aka business address and ITR from past 5yr+ I'm been filling so yeah go ahead and apply for gold in dec cause now amex isn't running any offer where you can get more collectible so kindly wait if you can plus 10k amazon limit so it good card for FYF only as my usgae.

did you give documents for mrcc? do you think it's better to put 6L as income to be approved for gold or should I put higher? the highest limit card i have is 1.2L from icici

 

[harishracha]

yeah i got gold card without any income doc cause amex already know about me cause of mrcc so yeah it should be same for you too, and yes in my cibil I'm self employed so aka business address and ITR from past 5yr+ I'm been filling so yeah go ahead and apply for gold in dec cause now amex isn't running any offer where you can get more collectible so kindly wait if you can plus 10k amazon limit so it good card for FYF only as my usgae.

why wait until december bro? bro do you suggest i first get approved for plat travel and then immediately apply for gold charge as i do not want to cancel my supplementary mrcc or is it possible to get another mrcc under my name while holding a supplementary card?

 

[vaibhav111vaibhav111 is verified member.]

did you give documents for mrcc? do you think it's better to put 6L as income to be approved for gold or should I put higher? the highest limit card i have is 1.2L from icici

Nope Amex didn’t ask for document for mrcc

 

[vaibhav111vaibhav111 is verified member.]

why wait until december bro? bro do you suggest i first get approved for plat travel and then immediately apply for gold charge as i do not want to cancel my supplementary mrcc or is it possible to get another mrcc under my name while holding a supplementary card?

You hold supplementary mrcc? What your income

 

[harishracha]

You hold supplementary mrcc? What your income

i earn about 10-12L a year in india and abroad bro doing various things but i do not have salary slips or itr as i just finished bachelors

i want to get a charge card as i want to build a relationship with amex to take it to foreign countries

yes bro i have a mrcc supplementary card that i got from my friend to gauge if amex is accepted for my day to day use and i am sure i can make 4-5L of spends on this card easily each year

 

[vaibhav111vaibhav111 is verified member.]

i earn about 10-12L a year in india and abroad bro doing various things but i do not have salary slips or itr as i just finished bachelors

i want to get a charge card as i want to build a relationship with amex to take it to foreign countries

yes bro i have a mrcc supplementary card that i got from my friend to gauge if amex is accepted for my day to day use and i am sure i can make 4-5L of spends on this card easily each year

Ok spend on mrcc 20k a month for sweet 2k MR point and how many month it been you been holding supplementary mrcc cause I would say for 4L spend take plantium travel and gold for 6K spend through reward multiplier.

 

[harishracha]

Ok spend on mrcc 20k a month for sweet 2k MR point and how many month it been you been holding supplementary mrcc cause I would say for 4L spend take plantium travel and gold for 6K spend through reward multiplier.

but how can i get points with a supplementary card?

how can i apply for the card without income proof that is my primary question here bro any tips to get a gold charge without documentation?

 

[vaibhav111vaibhav111 is verified member.]

but how can i get points with a supplementary card?

how can i apply for the card without income proof that is my primary question here bro any tips to get a gold charge without documentation?

Yes i meant you apply for your self and once your amex cc is approved amex won't ask for income documents for gold for plantium they might do ask so you have filed ITR right and you need around 6L so last year ITR ? and either self employed or student.

 

[harishracha]

Yes i meant you apply for your self and once your amex cc is approved amex won't ask for income documents for gold for plantium they might do ask so you have filed ITR right and you need around 6L so last year ITR ? and either self employed or student.

i dont have any itr bro is it possible to apply for gold charge and put occupation as student? people have got approved for mrcc and smartearn do they get approved for gold charge as well?

how to apply without itr or salary slips and get approved for gold charge i have total 2.3L credit limit from 4 cards highest being icici with 1.2L

 

[manojsurya99]

Amex doesn't give cards to Non-working class. It is one of the rejection criteria.

 

[manojsurya99]

To All:
1. CIBIL gives an indicative income along with the score.
2. If the income you mentioned in the application form matches with the income CIBIL gives in their report, and if that is sufficient to issue cards by Amex, Amex internal system issues a score based on which limit will be finalized.
3. There is no dependency with Supplementary cards. Supplementary cards doesn't even ask for your income as you are not going to pay for your spends and only the base card holder pays for your spends as well. When you apply again for another card or same card but not supplementary, as mentioned in point 2, it will get processed.
4. Amex gives you at max 2 cards with limit and 2 cards without limits (charge cards, either Gold Charge and Platinum Charge or Platinum Charge and Centurion Charge).
5. Cooling period between 2 applications of same card type is 90 days while different cards, it is 0. You can apply for one now and for another card in next minute and do parallel processing. If you first card is approved, good chances your second card will also be approved but if your first application is rejected, 100%, your second application will be rejected.
Do ping me or DM me or ping here if you have any other questions on Amex cards. I am happy to help you.

 

[manojsurya99]

Amex doesn't issue cards based on other cards you hold (I mean 0.01% of Amex population who already hold Ultra premium cards will have that offer and those who have such cards, will really not look at getting Amex normal cards).

 

[harishracha]

Amex doesn't give cards to Non-working class. It is one of the rejection criteria.

this is incorrect bro as i have seen my friend apply for mrcc and put student as occupation in front of my eyes and amex approved the card

 

[harishracha]

Amex doesn't issue cards based on other cards you hold (I mean 0.01% of Amex population who already hold Ultra premium cards will have that offer and those who have such cards, will really not look at getting Amex normal cards).

best banker has been taking c2c requests for platinum charge with minimum limit of 3L idk where you are getting info for this bro

 

[harishracha]

To All:
1. CIBIL gives an indicative income along with the score.
2. If the income you mentioned in the application form matches with the income CIBIL gives in their report, and if that is sufficient to issue cards by Amex, Amex internal system issues a score based on which limit will be finalized.
3. There is no dependency with Supplementary cards. Supplementary cards doesn't even ask for your income as you are not going to pay for your spends and only the base card holder pays for your spends as well. When you apply again for another card or same card but not supplementary, as mentioned in point 2, it will get processed.
4. Amex gives you at max 2 cards with limit and 2 cards without limits (charge cards, either Gold Charge and Platinum Charge or Platinum Charge and Centurion Charge).
5. Cooling period between 2 applications of same card type is 90 days while different cards, it is 0. You can apply for one now and for another card in next minute and do parallel processing. If you first card is approved, good chances your second card will also be approved but if your first application is rejected, 100%, your second application will be rejected.
Do ping me or DM me or ping here if you have any other questions on Amex cards. I am happy to help you.

i have not filed any itr or have salary slips as i do many things from trading to freelancing in us/uk which makes me decent money and have them deposit money to my dad account who doesnt live in india

my dad simply gives me this money from his indian bank accounts and i dont have to worry about all taxation headache

is it possible for me to get a gold charge as i want to work my way towards a plat charge in the next year or two