@dracut77 wrote:Hi,
My wife is homemaker. She doesn't have her own income, but show my income as total household income. She has Citi Costco card as additional card, where I am primary one. Apart from that she applied for her first indivual card, Bilt on 2 Feb this year. He experian credit score is 750.
Should she wait before applying for next card? Focus is to apply for some card, which can give her some miles. For example - Alaska bofa visa card, or some Chase cards.
I know, it is difficult to get approval for people with no own income. Bilt was applied for her, to build her credit history.
What would you suggest?
Thanks
as far as credit card companies are concerned, she does have income, the household income is just as much hers as it is yours
she can report the full household income based on your income and any side income she may have and that is perfectly acceptable and accurate
is there a joint checking somewhere? Chase ideally? Chase might be willing to extend her one of the freedom cards based on the limited credit history if there's direct deposit history with them
otherwise, thinking conservatively, I'd wait for the BILT to age to 1 year if I wanted one of the more premium travel cards, but starting to build out a chase trifecta (CFF, CFU, CSP) can start relatively soon 6+ months
@dracut77 wrote:Hi,
My wife is homemaker. She doesn't have her own income, but show my income as total household income. She has Citi Costco card as additional card, where I am primary one. Apart from that she applied for her first indivual card, Bilt on 2 Feb this year. He experian credit score is 750.
Should she wait before applying for next card? Focus is to apply for some card, which can give her some miles. For example - Alaska bofa visa card, or some Chase cards.
I know, it is difficult to get approval for people with no own income. Bilt was applied for her, to build her credit history.
What would you suggest?
Thanks
If her FICO scores are in the neighborhood of 750 she should be able to be approved for most cards. Her application will say what the household income is, and won't break it down between yours and hers. Probably a good card for her at this point would be a Chase Freedom card. I don't think she needs to wait to apply.
@dracut77 wrote:"Probably a good card for her at this point would be a Chase Freedom card" - You would suggest this one. Shouldn't we prefer some card, with SUB's ?
They have $200 SUB's on $500 spend.
@dracut77 wrote:
@SouthJamaica wrote:
@dracut77 wrote:"Probably a good card for her at this point would be a Chase Freedom card" - You would suggest this one. Shouldn't we prefer some card, with SUB's ?
They have $200 SUB's on $500 spend.
Ah yes, correct.
But I meant cards like Chase Sapphire or Alaska Card, etc.
I don't know anything about the Alaska Airlines card.
I know that Chase Sapphire cards are hard to get without a bigger credit profile than your spouse has. But if that's what she wants, go for it.
