A few concepts to understand.

A credit card application will normally take one’s stated income. So you’re free to put whatever you like.

That information will still be reviewed (likely electronically) and if you’re technically not employed then that would usually result in the application declining.

You can put your source of income as investments but if the file gets to underwriter review they may want some sort of proof of this investment income. As dividends and capital gains are not guaranteed then they may not consider it as reliable income.

Typically a credit card company wants to see 2 years of consistent income in the same line of work.

Having significantly large assets may help to combat this issue, but if the creditor you’re applying with has no relationship with you then they have no way of knowing those assets exist.

It may be best to work with your bank or broker where the assets are held and see if they have some sort of affluent segment/customer program. They’ll likely be able to get you a card this way since they know you have the resources to support the debt.

As a last note. Under underwriting terms some forms of income are actually increased to more than their actual number. Not all types of income receive equal tax treatment. Social security benefits are tax exempt in some cases, municipal debt income can also be tax exempt, Roth IRA withdrawals, structured insurance settlements, life insurance loans used as income, child support isn’t taxed, and qualified dividends are taxed lower than income. In some of these cases a lender may calculate what the earned income equivalent of these assets is and apply that number towards qualification.

How is this possible? Usually a date is selected and a received by date is made available. This contradicts everything I’ve ever known about online billpay since 2002 (working for a bank).

Did these companies change their addresses? Not sure how this mess happened in the first place. Billpay will either process an electronic payment or send a physical draft/check if the company doesn’t accept electronic payments.