I'm not quite sure how to ask this, but here goes.

I am a current Skymiles AMEX holder (base model, no annual fee). I see offers to upgrade to Gold but wonder if I have enough income to qualify. It is significantly less than what it was when I got the card (as in sure-enough poverty level now).

I don't want to get rejected and take a hit to my credit score. I REALLY don't want to get rejected AND get the card I currently have canceled.

Also, I see the offers for cards with other FF programs and the bonuses they offer and wonder if I would qualify for them.

So—does anyone know what the minimum income levels are for applying for different cards and/or for upgrading DL AMEX to Gold? (or even Platinum—I have gotten those offers as well)

I don't have any debt (of any kind) at present and pay off my balance on time each month. I just figure with my low income, issuers would be hesitant to give me a new or upgraded card, but if that's not true, I might as well get whatever bonuses/benefits I can.