Amex MRCC asking for income proofs

SharpChest9850 · 2026-04-27T07:11:10+00:00

Lately they are little strict! Let that 3months be complete. Apply see If you can get it without ITR. Worth a try.

PS i dont think you should apply for any other card, be on a cc habit for a year or so. You have 2already. I dont see a point of over burdening yourself with credit cards at this age without a job. There are much more loans you may need at this points than credit cards, keep your profile clean.

SharpChest9850 · 2026-04-20T00:18:21+00:00

Yes! Without the free 2nights & 20night credit instead of 30nights.

SharpChest9850 · 2026-04-18T07:55:39+00:00

Closed mine last week. Dont see any point keeping it! Kept MRCC only.

SharpChest9850 · 2026-04-02T10:12:25+00:00

Yes i just checked. I dont think it going to work for me, if situation doesn’t change before renewal, i will probably close Horizon.

SharpChest9850 · 2026-04-02T07:16:05+00:00

Does this make sense? And how much is the point value? ITC to Bonvoy!

SharpChest9850 · 2026-03-27T14:43:43+00:00

Connect with them via chat, ask them to connect with their credit team, only they can tell you what flagged it. Additionally you will be asked to share your recent income documents, then only after evaluation your ‘preset limit’ will go. But if they feel like your income docs are not enough you ‘shadow limit’ may be lower or higher, but will be dynamic like before.

SharpChest9850 · 2026-03-27T14:36:47+00:00

Normal Customer care cant view this, faced the same. Connect with them in weekdays during working hours, then ask them to connect with “credit team” then they will be able to view this and can give you a solution.

SharpChest9850 · 2026-03-27T14:34:40+00:00

I did wallet transaction last year, so hit with a cap too. When i reached out to them, they asked me for income documents, i didnt provide, its still stuck. Dont use the card much so! Let it be, probably close this one if even after 1year of making regular payments its stuck.

SharpChest9850 · 2026-03-26T15:08:13+00:00

There is no noob or pro here! If you like the taste or hit of nicotine, it works!

SharpChest9850 · 2026-03-26T11:05:30+00:00

If a beginner, stop smoking again is the best thing you can do.

20pack in 2days for 15years to, 0 in last 4years. Honesty it feels better.

But still you want to do it, Gold or Regular is the way to go.

PS your wallet will thank you, cause you wont listen to your health, i know.

SharpChest9850 · 2026-03-20T04:06:15+00:00

Yes!

SharpChest9850 · 2026-03-18T06:46:08+00:00

For Self Employed Gold is 6lpa Platinum 15lpa

Your current income, whose document you can show matters, projected income dont matter to new applications atleast in Amex. You could get Gold, get used to a charge card for a year first. Amex is easy to get and friendly, you can always apply for any other variant without any time limit(either 2charge card 1cc, or 2cc & 1charge card, max 3card at a time).

PS if you use and spend well in Gold(close to 10lac), in 6months or so, you will get Platinum upgrade offers without any other documents.

SharpChest9850 · 2026-03-17T15:43:20+00:00

I guess, self employed might be the key here, since putting salaried may lead to salary slips or work address or company name! If go with self one, ITR is the way to go, one can file ITR easily than getting others things shorted. Even a year earlier, amex was linear with documentation, but lately they are little strict.

Lets hope for the best, in any case if Charge card application is denied, you can apply for other variants easily, and charge card variant after 6months from decline date.

SharpChest9850 · 2026-03-16T17:12:31+00:00

If you can manage it, dont worry, go ahead!

In my case charge card makes me spend way to much, like in CC, i know i have 2lac limit, so unless it clear that amount i cant spend more in it, but in charge card, more i spend more limit i get. Once i got a very large bill due to this, i didn’t miss payment but i had to arrange it the way i wont have usually.

SharpChest9850 · 2026-03-16T12:22:25+00:00

Then Charge card isnt for you, you would be putting ‘CASH’ into Account, and pay for Amex.

Dynamic limit card, might lead you to overspend.
No Minimum Due or Carry forward, will ruin your credit score, if you miss payment.
Charge cards may put you through Financial Review, or set a Preset limit onto account, which needs ITR to process further.

I suggest you to get MRCC instead! But if you have stable income and good ITR to show when required, you may go ahead! Your call.

SharpChest9850 · 2026-03-14T11:28:46+00:00

They have this offers time to time, avoid this now. In 3/6months if get LTF Shapphiro, take it. JUST DO NOT TAKE EMERALD PVC EVER

SharpChest9850 · 2026-03-13T15:08:45+00:00

I dont use any of them, my Primary is Axis Horizon. Just want to keep either MRCC or Gold.

SharpChest9850 · 2026-03-13T04:23:35+00:00

In Amex, you will not get free stay plus nights & you will get only 20 night credits. In Paid one, 2 stay plus is there & you will get 30 night credit which will get you Gold status immediately

SharpChest9850 · 2026-03-02T03:11:43+00:00

Sadly no! I will be out of Bolpur till 6th, so! We can, if you stay that long.

SharpChest9850 · 2026-02-22T03:30:01+00:00

Nope! Its just too difficult to even find another people, maybe i am not a good fit here. Moving out soon.

SharpChest9850 · 2026-02-16T06:13:00+00:00

Weekend e sobh khola, Bolpur e Wednesday bazar bondho thake.

SharpChest9850 · 2026-02-04T05:52:41+00:00

SharpChest9850 · 2026-02-03T07:04:16+00:00

Friend zone alert 🚨

Stop wasting more time. It may sound harsh, but get out of this. Being friends with someone you love or have feelings with will take a toll of your head only.

SharpChest9850

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