It could also be the lower fico score. They probably wouldn't care if your score was a bit higher. I do have my income and hubby's updated on our CRA's but when you app for an instant decision card, how do they check at that very moment? I can see them checking before they send the card out.
In the future, if you apply for a credit card, you can simply state, per recent CFPB rulemaking, your income at an amount that includes that of your spouse if you both have access to the funds.
You are not required to separately state the incomes of each.
You apparently did so, and thus they requested verification......
|Total CL: $304.1k||UTL: 3%||AAoA: 6.8yrs||Baddies: 0||Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping|