New Credit Card for Wife - WHICH ONE?

For just about anything you want to get off your chest about credit cards.
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Gieser
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New Credit Card for Wife - WHICH ONE?

Postby Gieser » Tue Mar 29, 2011 8:45 pm

My wife does not have established credit. She has never had a credit card. She has had a mortgage, but no longer. She is thinking of applying for a credit card and a line of credit to try and help build her credit. She does not work, so should she put my income as the income? [color="red"] Also, what would be the best card for her to start with? [/color]


agenda_zero
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Postby agenda_zero » Mon Apr 04, 2011 2:27 am

If you want an honest answer it would be none. More often than not wives cannot be trusted with credit cards. When my grandmother passed she had close to 30 thousand in credit card debt hidden from my father. The funny part was she could have paid it off but chose to hide the debt and pay 25% interest.

I'm sure there are a few women that can handle them and if you know any who are single please introduce me to an attractive one.

DoingHomework
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Postby DoingHomework » Mon Apr 04, 2011 4:52 pm

At first I thought that last post was a joke. But after I thought about it I realized it is true. Women just don't have the mental capacity to handle credit or other financial issues. They should also not be trusted to run large companies or hold government office. I mean, maybe operating a flower shop is ok or being president of teh sewing club. But anything beyond that, no way.

(No flames. This post IS A JOKE!)

To the OP: You will probably have to cosign for her. All joking aside, if she has no income then she has no way to pay for charges made on the card. She will need a cosigner with income in order to quality. If you have good credit then I would suggest a separate accoun with whichever company you have your most used card with.

Gieser
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Postby Gieser » Mon Apr 04, 2011 9:05 pm

Ok, thanks. So better for her to just spend on mine lol! Anyway, she isn't a shopper for much, and we are set to have twins in August, so I am trying to get a lot strait by then.

jeffysdad
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Postby jeffysdad » Tue Apr 05, 2011 10:11 am

I've been given to understand that the Hooter's Mastercard is very popular with the ladies.

Hooters MasterCard®
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

DoingHomework
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Postby DoingHomework » Thu Apr 07, 2011 12:53 pm

jeffysdad wrote:I've been given to understand that the Hooter's Mastercard is very popular with the ladies.

Hooters MasterCard®


Jeeeeez, are you trying to get me fired? That really did make me laugh OUT LOUD and my coworkers are now wondering what the heck I was looking at!

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Apr 11, 2011 3:37 pm

Ha! Definitely he should go with that card for his wife.

As discussed in this thread women just love the Hooters credit card.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



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