thom02099 wrote:Not true. They CAN ask for household income, they don't ALWAYS ask for it. When I recently applied for my AMEX BCP, I called in and asked specifically about this, as my personal income is what I've always used on all applications. AMEX CSR said individual income, not household income, is what they were asking for my BCP approval; they would not accept household income. And some of the automated applications will specify individual income; others will allow household income.
I think it helps if you've held a charge card with them for a little bit. I've had a charge card with them about 2 years before I applied for the BCP online, and the only requirement was to state my income (base + bonus). I was not asked for any sort of verification afterwards and got the approval via email within minutes. My charge card spend has averaged 2k/month. My guess is that this factored into the instant approval.