text: i applied for amex card and they sent me a letter asking me for the 3 momths most recent personal bank stateme i applied for amex card and they sent me a letter asking me for the 3 months most recent personal bank statements to verify my total annual income. does that mean i am approved as long as i prove to them my annual income is same as the one that i had put in my application? no.  americna express isn't like a traditional credit card, you have to pay the entire amount off each month, you cannot carry a balance like on visa, mastercard, discover, etc.  they are trying to figure out how much your limit should be.   am. ex. is a good way to build credit if your is low right now.