Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 08-07-2018, 03:58 PM   #41
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 18,738
Quote:
Originally Posted by Sojourner View Post
Yes, $20K. More than sufficient for my intended usage.
Oh yeah - thatís plenty.
__________________

__________________
Retired since summer 1999.
audreyh1 is online now   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 08-08-2018, 09:09 PM   #42
Thinks s/he gets paid by the post
Koolau's Avatar
 
Join Date: Jul 2008
Location: Leeward Oahu
Posts: 3,367
Quote:
Originally Posted by Bamaman View Post
With an 820 FICO score, income verification should not be required. Go to a more reasonable company.

That's what I would have thought as well. Our last mortgage ca. 2010, we had similar score BUT only thing they wanted was income. Never heard of this with CC, but who knows. YMMV
__________________

__________________
Ko'olau's Law -

Anything which can be used can be misused. Anything which can be misused will be.
Koolau is offline   Reply With Quote
Old 08-14-2018, 05:43 PM   #43
Dryer sheet wannabe
 
Join Date: Feb 2017
Location: Kula
Posts: 22
Quote:
Originally Posted by Sojourner View Post
I recently applied for a First Tech "chip and PIN" credit card to use during an upcoming trip to Europe, based on positive reviews from many E-R.org members. I received an email stating that my application was approved, pending receipt of the "last 2 years of complete personal and business tax returns with all schedules." This struck me as highly unusual and something I'd be reluctant to do. My credit score is around 820, which I'd think would be high enough to warrant approval without an in-depth analysis of my recent tax returns to verify my income down to the penny. I always pay my credit card bills on time (most are set to auto pay) and my typical monthly CC spend is between $1,500 and $2,000.

I've never once been asked to provide tax returns for any credit card application--at least not that I can remember, and certainly not in the last 15 years--so I'm hesitant to email these documents to First Tech just to get a chip-and-PIN credit card.

Anyone else experience this kind of thing when applying for a credit card recently? If so, did you send in any requested tax return documents so your income could be verified?
My Capitol One Venture card is a chip or tap card with no transaction fees.
morriss003 is offline   Reply With Quote
Old 08-14-2018, 06:42 PM   #44
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 18,640
Quote:
Originally Posted by Sojourner View Post
.... Anyway, now I'm all set for my upcoming trip to Europe with a true chip-and-PIN card!
I hope that they don't cancel your card mid-trip because you never responded to their requests for income verification.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56...60/35/5 AA
pb4uski is offline   Reply With Quote
Old 08-14-2018, 07:01 PM   #45
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 18,738
They "tapped" my Costco VISA at Costco checkout the other day. Next time I'm going to try using ApplePay from my watch.
__________________
Retired since summer 1999.
audreyh1 is online now   Reply With Quote
Old 08-14-2018, 07:40 PM   #46
Dryer sheet aficionado
 
Join Date: Aug 2017
Location: claremont
Posts: 47
Suggests that they are selling your credit profile. I would look elsewhere.
__________________

indiajust is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
ACA additional verification of income letter fisherman Health and Early Retirement 24 07-27-2014 02:58 PM
Health Exchange Income Verification gozer Health and Early Retirement 9 10-25-2013 01:53 PM
Pre Paid Credit Card/ Gas Card or Credit Card nphx Other topics 4 04-29-2008 01:04 PM


 
All times are GMT -6. The time now is 06:53 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.