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Joint Credit Card Application
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Cancel Your Credit Card The Right Way To Save Your Credit Score
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance. In addition to writing for CreditCards.com, Johnson continues to…
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Apple, Goldman Sachs Ready To Unveil Joint Credit Card For Iphone
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What Is A Joint Credit Card & Should You Get One?
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Should You Share A Credit Card With Your Spouse?
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If you’re worried that you won’t be able to get a credit card because you don’t have an income, you’ll be happy to know that you can use your spouse’s or partner’s income when you apply. Thanks to the Credit Card Accountability and Disclosure Act of 2009 (CARD Act) and a 2013 update by the Consumer Protection Bureau (CFPB), it allows the use of household income when applying for a credit card. Or ask for a credit line increase. To use this rule, you must be 21 years old and have “reasonable access” to your partner’s income.
Imagine being a stay-at-home dad taking care of your kids while your partner goes to work. Before the 2013 amendment, having $0 in income meant you could not be approved for a credit card.
Listing household income on a credit card application can be a game-changer for families, especially those with a stay-at-home parent. Married couples with different incomes can also benefit. If one spouse earns $20,000 a year and the other earns $150,000, both get an equal credit by using household income when applying.
In general, all credit cards may consider household income during the application process due to CFPB regulation, but the wording of the question may vary.
For example, when you apply for the Chase Sapphire Reserve, the program asks for your gross annual income, but doesn’t specify whether to include household income (which you can do if you want).
However, when you apply for the Citi® Double Cash Card, if you’re 21 or older, you can include “income from other people who have reasonable access to pay your bills.”
American Express states this rule differently on their credit card applications. With Amex credit cards like The Platinum Card® from American Express, you can include “all income you have,” including “wages, retirement income, investments, rental properties, and more.” If you are under 21 years of age. In this case, you can only add your own income.
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No matter which credit card you choose, as long as you meet the CFPB’s requirements of being at least 21 years old and have reasonable access to financing from a spouse or partner, you can include household income when you apply.
If you’re considering getting your own credit card account, you’ve probably heard about the process of adding an authorized user. With authorized user accounts, you can get your own credit card with your name on it, but the primary account holder will see all your charges on their statement and ultimately be responsible for repayment.
Why do you need your own credit card account and not just an authorized user of your spouse’s or partner’s account? Above all, there are several ways that being a primary account holder can benefit you:
Credit card issuers generally treat their approval requirements as confidential information, but it’s well known that card issuers consider many factors before approving applicants. Information reviewed includes your credit score, employment status, income, and debts you have.
Joints Savings Account To Open With Your Spouse Or Parents
The main purpose of determining your income is to assess your ability to repay any amount you borrow, or at least to assess your ability to pay the minimum. With that in mind, it’s easy to see why couples managing joint finances might want to list household income without resorting to a joint credit card.
Credit card issuers generally don’t require proof of income, although you’ll need to submit pay stubs and income tax returns when you apply for other financial products, such as personal loans or home mortgages. Without it
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