Originally Posted by safigan

As far as I can tell, you are being treated according to policy. Based on my personal experience over the last 2 years, they want to see tax returns for any credit limits $25K or more or anyone with insufficient credit history. You've hit a threshold amount. Maybe others have had a different experience, but this has been mine since the credit crisis. I took the trouble to fill out the form they wanted so they could get my tax returns from the IRS, and my household has 8 AmEx cards with limits ranging from $15,000-$50,000. They also turned my younger daughter down because she never filed a tax return, even though my older daughter still has the AmEx she got 3 years ago with no income at all (we used household income instead). The rules have changed and CC companies want to see proven income, not "liar loans". The only way they can tell the difference is by requiring the documentation at a certain risk level, in this case $25,000.