I have had American Express cards for over 8 years. Recently, I underwent an Amex Financial Review and submitted Form 4506-C. Based on the tax documents they received from the IRS, Amex closed all of my personal and business cards.

They told me that the information on my tax documents—specifically my reported income—did not align with my spending, so they decided to close my accounts. The reason for the closure was not rewards abuse. After the shutdown, I was still able to redeem all of my remaining Membership Rewards points.

I was also told that I am not blacklisted and that I can apply for new cards again at any time.

My question is: based on past data points, how soon might I have a reasonable chance of being approved for a new card? I’m trying to understand how long I should wait. Is one month enough, or is it more realistic to wait something like a year?