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Diners Club - marital status?

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Established Member

Diners Club - marital status?

My wife is solidly in the 800 club across the 3 CBs. 

 

I'm in the mid 700 range. 

 

She has had the same 5 cards for years. Her AAoA is approximately 10 years. 

 

I don't want to sand bag her scores so I'm thinking of checking 'unmarried' on the app. 

 

The app wants my to app jointly because I live in CA - I've never come across this situation before. 

 

Will it raise a red flag for denial if I check unmarried?

American Express: PR Gold, Platinum (AU), Starwood Preferred (38K), SPG Business (75K)
Chase:CSP (38.5K) United Visa AU (35K)
Citi: Costco (35K)

Message 1 of 15
14 REPLIES 14
Regular Contributor

Re: Diners Club - marital status?

From what I've read, they won't pull spouse's credit.  Not sure about being red flagged on fibbing on marital status though. 

Current Scores - EX 658, EQ 713, TU 722
Message 2 of 15
Senior Contributor

Re: Diners Club - marital status?


@ShermanOaks wrote:

My wife is solidly in the 800 club across the 3 CBs. 

 

I'm in the mid 700 range. 

 

She has had the same 5 cards for years. Her AAoA is approximately 10 years. 

 

I don't want to sand bag her scores so I'm thinking of checking 'unmarried' on the app. 

 

The app wants my to app jointly because I live in CA - I've never come across this situation before. 

 

Will it raise a red flag for denial if I check unmarried?


I would not select any wrong status on a cc app but that is just me..... Good luck with your app !

Message 3 of 15
Established Contributor

Re: Diners Club - marital status?

I applied in Texas but called first because Dh and I always apply separately. I was told the spouse information was informational only but required by law. I don't believe the 2nd part but I applied and Dh did not have an hp and his info was not part of the actual application process.

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900
Message 4 of 15
Super Contributor

Re: Diners Club - marital status?

They didn't pull the wife's credit here in TX.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 5 of 15
Established Member

Re: Diners Club - marital status?

I went with unmarried. We'll see what happens. 

American Express: PR Gold, Platinum (AU), Starwood Preferred (38K), SPG Business (75K)
Chase:CSP (38.5K) United Visa AU (35K)
Citi: Costco (35K)

Message 6 of 15
Valued Contributor

Re: Diners Club - marital status?


@ShermanOaks wrote:

I went with unmarried. We'll see what happens. 


let me know how this one goes...

Message 7 of 15
Moderator Emerita

Re: Diners Club - marital status?


@ShermanOaks wrote:

I went with unmarried. We'll see what happens. 


So, you were untruthful on your app? Smiley Sad

Message 8 of 15
Community Leader
Super Contributor

Re: Diners Club - marital status?

Lol!!! Sorry, but this is kinda funny! I can't see anything good happening here with a little fib on the app. You may sneak by with it now, but what happens if later on they decided they want to FR you and request W2's and find out you're married?? I'm just saying that this could come back later ( maybe next month or 5 yrs from now) and bite you. Good luck, hope it goes well


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 9 of 15
Moderator

Re: Diners Club - marital status?


@09Lexie wrote:

@ShermanOaks wrote:

I went with unmarried. We'll see what happens. 


So, you were untruthful on your app? Smiley Sad


Message 10 of 15
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