topic Re: Housewife getting a credit card of her own? in General Credit Topics

Housewife getting a credit card of her own?

Mouseman — Sat, 16 Jun 2007 08:31:50 GMT

Folks:

Here's the situation. My wife is a housewife. She's an AU on my credit cards, and her scores (being an AU on said cards) are: Transunion: 730, Equifax: 733, Experian: 747.

As said, she's AU on all my cards - but doesn't have any of her own. Considering the rules about to be implemented for AUs, I would like for her to get a card of her own. We already have an AMEX Gold, and I would like for her to get, say, an AMEX Blue - does anyone have any experience with a situation like this? Would it be OK if she applied as primary account holder, and as "source of income" specified "Spouse/Domestic partner" ?

Thanks for any tips/guidance

Mike

Re: Housewife getting a credit card of her own?

Anonymous — Sat, 16 Jun 2007 13:33:36 GMT

I don't think so. My wife seems to be able to get a credit card any time she wants. This, despite the fact she has horrific credit and no income. If your wife is responsible with credit then there shouldn't be a problem. If she's like mine, God help you. As far as what to list for her source of income I'd say with scores like that they won't much care.

Re: Housewife getting a credit card of her own?

Anonymous — Sat, 16 Jun 2007 13:41:10 GMT

@Anonymous wrote:
I don't think so. My wife seems to be able to get a credit card any time she wants. This, despite the fact she has horrific credit and no income. If your wife is responsible with credit then there shouldn't be a problem. If she's like mine, God help you. As far as what to list for her source of income I'd say with scores like that they won't much care.

I agree 100%. My DW managed to rack up almost 20K of CC debt. She seems to be able to get all the credit she wants.

Re: Housewife getting a credit card of her own?

MidnightVoice — Sat, 16 Jun 2007 14:21:22 GMT

I am in the process of making my wife a co-owner of all our cards. Gives her real credit, and if I get run over by a bus she has that credit availble.

And I trust her, and everything else is in joint names

Re: Housewife getting a credit card of her own?

Mouseman — Sun, 24 Jun 2007 06:05:22 GMT

Wife applied for an AMEX Blue w/ cashback, got approved online with a 2,000 credit limit. Thanks to everybody who provided feedback !

Re: Housewife getting a credit card of her own?

MercyMe — Sun, 24 Jun 2007 11:37:26 GMT

For all who may be interested, many applications ask for household income, and are non-specific as to whose income it is. The only creditor that wanted specifics when I was applying was BOA. They asked for my personal income as well as the household income. But they were the only ones.

:-mercy