[QUOTE=crazylooks4u;24347701]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.

How many loads did you do weekly/monthly before the FR hit? Want to make sure I stay off the radar.