How do I get a credit card for a non working spouse?

Your spouse is required to use the household income when applying for a credit card, so yes, a spouse with no income can apply for a credit card. The CARD Act enables lenders to review not only your personal income but also the household income.

What income should you put on a credit card application?

Include all income in the application If you earn money outside your full-time job, include it on your application. As long as you’re 21 or older, you can include your household income, including income from your spouse or partner, on your credit card application. Resist the temptation to overstate your income.

Can an unemployed spouse get a credit card?

Being unemployed doesn’t automatically disqualify you from getting a credit card. Credit card issuers are more interested in your income than your job. You can meet the income requirement even without a job by including on your application any income you have access to.

Does total gross income include spouse?

Annual income on a credit card application means the total income you receive and have access to in a calendar year. That includes personal income, gifts, your spouse’s income, retirement income, income from investments, scholarships, Social Security payments, etc.

Can my wife get her own credit card?

Couples can make one another an authorized user on their credit card accounts. The authorized spouse gets his or her own card to use, but the primary account holder is responsible for the bill. For example, a husband and wife can each apply for separate cards, and then authorize the other to use the cards.

What can I do if my partner has bad credit?

The easy way out of dealing with your spouse’s bad credit is to apply alone. Your lender may suggest you apply alone if you can obtain the loan you need without your spouse. Sometimes, if your spouse has bad credit but a much larger income than you, this could outweigh the bad credit and actually help your application.

What is the minimum income to qualify for a credit card?

If you’re applying for an unsecured credit card from a major issuer, you’ll likely have to meet a minimum income requirement — usually $10,000 or $12,000 per year. If your income is too low, or you’re carrying too much debt, your application might be rejected.

Can I include my spouse’s income when applying for a credit card?

You Can Include Spouse’s Income When Applying for a Credit Card If you’re at least 21 years old and you have access to the income of a partner or spouse, you can list it in your credit card…

What happens if your spouse has a high credit card balance?

If by chance, the applicant spouse is left with a high credit card balance that’s disproportionate to his or her income, there could be negative consequences for his or her own credit history and finances overall.

Should married couples apply for credit cards together?

For most married couples, applying for credit while including the other spouse’s income doesn’t cause any ill effects as long as they stay married and handle the credit responsibly by paying the balance off each month. For others, however, it can cause significant marital issues if one spouse overspends, or doesn’t make the payments on the card.

What income can I include on my credit card application?

As long as you’re 21 or older, you can include your household income, including income from your spouse or partner, on your credit card application. Household income and credit card applications