Household Income Applicable Cards

For just about anything you want to get off your chest about credit cards.
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Postby RewardHop » Mon Aug 19, 2013 12:00 am

You share the $6k cap. Only way to have your own $6k cap is to each apply for the credit card.
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters,
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

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Postby Wildcat_1 » Mon Aug 19, 2013 9:03 am

Well, very interesting follow up today and in the spirit of why I started this thread, we called recon line for Barclaycard and they were very nice but long story short they stated her credit looked good but only reason they are denying at this time is that they ARE NOT CURRENTLY factoring household income into their apps. They stated they are aware of the change but not using it as of this time.

Shame but informative nonetheless. Would appear then conversely that AMEX & Chase are so that is good news


Wildcat_1 wrote:Well, we went for it and started with the wife. We thought we would try for the cards we wanted first for her BCP, Freedom (switch up), barclaycard arrival and was not sure what would happen.

Please to say the BCP she was approved for instantly, the Freedom said decision pending but when we'd called the automated line it said approved and gave the credit line (little low but a good start at least). Barclaycard arrival was the hard hitter and came back denial so we are going to call recon on that tomorrow. May try a different card to get to 3 total for her if arrival doesn't go through but not giving up trying yet as was surprised she got this much considering the household income thing.

One question I do have is around BCP. When I read some reviews they talk about adding additional card holders who 'will benefit from the same rewards' can anyone tell me does that mean in essence you are sharing the $6k cap on groceries for example or if you add an additional cardholder they get their own $6k cap ? Based on grocery spend the answer to this question may determine whether I keep one of my app list ore remove and add a different card

Thanks all for the help, onto mine next tomorrow


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Postby Midori » Mon Aug 19, 2013 9:44 am

Wow, that's great that it turned out so well for her. :o) Thanks for sharing how things turned out! Very awesome!

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Postby sharoo » Sun Jan 05, 2014 12:50 pm

Hi, Wildcat. Thanks for starting this thread. I'd like to see more comments. Maybe this will post will help get the discussion started again. I have a datapoint for Amex (which seems to accept household income, but not under that name).

Here's my situation - I am the wage earner and my husband is the stay-at-home spouse. I've always taken care of the finances and paperwork, so I've just opened credit cards in my own name. It recently occurred to me that if I died suddenly, he would have no credit available to him, so I started looking into joint credit cards (just as they disappeared from the credit landscape). So now I'm trying to get him a few cards in his name to build up his credit rating.

He recently applied for a Delta Amex Gold (well, okay, I applied for him) and it was instantly approved! The only thing on his credit history was 2 years as an Authorized User on my Delta Amex card. This was good enough to earn him a credit rating of 746 from Experian. In the application I listed the income from our joint tax return (all of which goes through our joint checking account and joint brokerage account). I listed his employment status as "Retired" (since he is over 65). There was another drop-down menu for Income Source; I selected "Spouse/Domestic Partner." Although the phrase "household income" did not appear anywhere on the application, this combination of choices amounts to the same thing.

I wish I had thought of this sooner. I would like to apply for a few more travel cards in both of our names to get intro miles/points for a trip to Hawaii, and I'm not sure if his fledgling credit history can support that. I'm thinking maybe an Alaska Airlines or British Airways card and one hotel card (preferably Marriott or Fairmont). Does anybody have any suggestions on that?

Wildcat, re your BCP question: I believe that "additional card holders" refers to Authorized Users. This just allows your spouse to have her own copy of the card so that both of you can carry it and use it all the time. There is just one account, and one shared $6K cap on groceries. However, since she is an authorized user, all use of the BCP card shows up on both of your credit histories. Assuming you are using the card responsibly, this is a good thing and will benefit her credit rating.

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