@dilettante wrote:
I live in a community property state and listed all spouse's info and no HP was pulled from his CR.
Since I'm a SAHM who hasn't had an official employer in a long time and since I'm the one who decides which cc's to use and applies for cc's, I've had lots of experiences with different banks and can say Diner's is the only one who has asked so much detail about spouse on an initial app. Barclay's was the only other bank that asked details (husband's employer, how long at job, etc) but that was after I called when the app for the Arrival+ went into pending status. DH's credit report was not pulled for that one either.
I was approved for the Diners with a 50k CL (probably due to my 800+ credit score and high HHI), i didn't ask for an AU card and none has been issued.
I've never had a CC app ask this much detail either.
AMEX kept it at liquid assets and such.