Which cards consider HHI at app?

[dizzier]

I'm looking for a new card to replace my Chase card. I've got great scores with no baddies and low balances on all my cards. My only problem is that my personal income is pretty low.

Which creditors consider HHI at the time of the app WITHOUT having to do a joint app? I know Amex does, but I already have an Amex.

Any help is appreciated. Thanks!

ETA: I've got a BOA Worldpoints Visa, Chase Freedom, and AMEX Blue Cash.

[haulingthescoreup]

BofA did for me. That was in spring 2008; don't know if they've changed.

[dizzier]

I've got a BofA card already. I don't think they do anymore. The last time I tried for a CLI it only considered my income even though they allowed me to enter my HHI under other income. Go figure.

[dizzier]

Well, CitiBank considers HHI at app.

I just apped and got approved for the Dividend Platinum Select at 12.99% (lowest available rate) and a Cl of $9400.

[Anonymous]

Thanks dizzier - that's very helpful info!

Nice scores, btw

[dizzier]

thanks scotty LOL

oh, just found out that Cap One also takes HHI. I didn't app for a card though...

[Anonymous]

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@dizzier wrote:

thanks scotty LOL    That made me laugh!

oh, just found out that Cap One also takes HHI. I didn't app for a card though...  Oh good.  I'll make a note of that one, too.  Although I'm not a great Cap One fan.

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Thanks - this is a very helpful list.  It's great of you to post this info.  Doesn't look like any of the rest of us are all that helpful, though.

I can add Orchard, Juniper, Macy's, Dillard's, JCPenneys, Walmart to the list.