Got hit by Amex FR last week. Reported an income of 100K in 2013 (Was my projection) but actual income was 52K by the end of the year 2013 and 90K by the end of 2014 (Household Income was more than 100K in 2014). Now Amex is asking me to submit a 4506-T to retrieve 2013 income tax returns. Total credit line across all amex cards is 35K

Got flagged for loading Target Prepaid Redcard on the new Gold card and SPG. The accountant who I spoke to asked me particularly about my spending at Target.

Not comfortable in submitting the 4506 form, though I am OK with submitting my paychecks and bank statements. Will be closing all my 4 cards next week. I don't wanna end up having the cards closed by grantor on my credit file, which will be a huge negative. Any advice would be appreciated.