My dW is going to apply for a credit card.. sge is a joint owner on my account.. i make 38,000 and she makes 10,000 shes parrt time......online it sayd to put personal income... but when i added her as joint iwner i asked the lady if she decides one day to apply for credit can dhe input hhi dince bribg sn joint oener means whatever is mines is hers...she said yes.. so whats the best thing to do here.... should she do it online or by phobe???....she has teo amex in the $9,000 and a citi at $2000 and credit steps cap1 at $300....help please...
