When You Apply.. What Income Do You Use?

[Tommy5746]

When you guys apply for a credit card.. Do you ever use your combined household income? Or just your personal income... Are you allowed to use your household income?

[RockinRay]

Personal - that being said, if there is a box for "additional income", I will put my Wifes income there.

Unless you live in Wisconsin, I think this is the law now.

[creditnocash]

i use personal yearly gross salary (based on 40xweek x hr ratex 52 weeks). 

if i included household income. i would be approved for some nice cards =) lol. jumps my income from 35k to about 120k. 

[Tommy5746]

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@RockinRay wrote:

Personal - that being said, if there is a box for "additional income", I will put my Wifes income there.

Unless you live in Wisconsin, I think this is the law now.

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The law is that you have to use your personal and not your household income? I guess technically your wifes income is "other" lol but I would tend to think that other means returns from stocks... alimony etc...

[RockinRay]

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@Tommy5746 wrote:

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@RockinRay wrote:

Personal - that being said, if there is a box for "additional income", I will put my Wifes income there.

Unless you live in Wisconsin, I think this is the law now.

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The law is that you have to use your personal and not your household income? I guess technically your wifes income is "other" lol but I would tend to think that other means returns from stocks... alimony etc...

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Before the credit card act, I think you could in fact use household income. If I am right, this has now changed.

Look at it like this, use your personal and if they ever want proof, you have it...

[Wolf3]

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@Tommy5746 wrote:

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@RockinRay wrote:

Personal - that being said, if there is a box for "additional income", I will put my Wifes income there.

Unless you live in Wisconsin, I think this is the law now.

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The law is that you have to use your personal and not your household income? I guess technically your wifes income is "other" lol but I would tend to think that other means returns from stocks... alimony etc...

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What law?    

[LS2982]

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@Tommy5746 wrote:

When you guys apply for a credit card.. Do you ever use your combined household income? Or just your personal income... Are you allowed to use your household income?

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I use my own personal income. Your not allowed to use HHI unless it specifically says you can. (WI residents are allowed to use HHI)

[Tommy5746]

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@LS2982 wrote:

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@Tommy5746 wrote:

When you guys apply for a credit card.. Do you ever use your combined household income? Or just your personal income... Are you allowed to use your household income?

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I use my own personal income. Your not allowed to use HHI unless it specifically says you can. (WI residents are allowed to use HHI)

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What if i apply while im visiting WI? lol jk...

[LS2982]

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@Tommy5746 wrote:

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@LS2982 wrote:

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@Tommy5746 wrote:

When you guys apply for a credit card.. Do you ever use your combined household income? Or just your personal income... Are you allowed to use your household income?

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I use my own personal income. Your not allowed to use HHI unless it specifically says you can. (WI residents are allowed to use HHI)

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What if i apply while im visiting WI? lol jk...

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hmmm.......

[webhopper]

I use personal income (w2)
Child support
Rental income

Salary is 93k
Child support is 3.6k
Rental income is 24k