Housewife Apping for Credit Card - what to use for housing payment?

[HappyBuilder42]

My wife has a very thin file. I have added her as AU on most of the cards I've acquired since I started rebuilding a couple years ago. Those cards and some some medical collections are the only accounts on her report.

Lately, she has been getting been getting pre-qualified Capital One offers in the email almost weekly.

In applying for this card, I understand she can use my income(probably use 50%), but what does she need to put for housing payment? The mortgage is in my name only, so can she put $0?

Or are there any recommendations on how best to answer income/housing question on credit card apps in general in this situation?

[dragontears]

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@HappyBuilder42 wrote:

My wife has a very thin file. I have added her as AU on most of the cards I've acquired since I started rebuilding a couple years ago. Those cards and some some medical collections are the only accounts on her report.

Lately, she has been getting been getting pre-qualified Capital One offers in the email almost weekly.

In applying for this card, I understand she can use my income(probably use 50%), but what does she need to put for housing payment? The mortgage is in my name only, so can she put $0?

Or are there any recommendations on how best to answer income/housing question on credit card apps in general in this situation?

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Most all major banks allow household income to be used on credit card applications especially with spousal income (is stated right on the app). I have read some credit unions have issues with household income when POI is requested.