@Anonymouswrote:
Hello,
I'm pretty new to credit cards. But I was just reading for income, you can list your household income? So my girlfriend and I have been together for 7 years and will probably get married in the next year or two, we live together. Should I list her income as well as mine on a credit card application? I'm a little worried because we are going to be getting a mortgate soon in her name and they said not to do anything that would change her credit. I don't want to list it, then have them question it/want to see her W2 or pull her credit. I'm wondering if they'll question it because it would be a 10x increase in income from my last application to Chase two months ago. But, my credit is only in the 690 range right now and I want a Chase Shapphire Reserve. So I'm thinking listing all the income possible will help with that. I have one 60-90 date late payment dropping this month and I paid off one of my cards. I'm going to wait til those two things happen next week then apply. My score should be over 700 then. Hopefully that'll do it.
She is not applying as a co-applicant you are only using her income amount as part of household income.
Is that CORRECT?
If it is then you have NO WORRIES using her income. They CANNOT pull her credit without her being on the app and giving permission.
Her future mortgage will not be affected whatsoever even if they ask to see her proof of income, they WILL NOT pull her credit.
You can use household's members income, as long as the application says you can, without them being on the application or even without them being an authorized user.
