TL;DR - A relationship can have a bigger impact with a lender than you would expect. Also debt to income seems to be a bigger factor than anything for students/recent grads.
Ok so little back story. Oct of 2012 my then GF and I move to NJ to follow a job for her. I get a part time job as a math tutor. First few weeks were tight, then we had an emergency trip that we had to spend every penny on. I applied for a Freedom (for piece of mind) and was instant approved for $2.7k with a ~700 credit score, thin history, and $13k income also a full time student. Moved all our banking to Chase at the same time.
Now today. Freedom is the same limit, never asked for a CLI. Still a student (graduation in Dec) but now married , making more than twice as much at the same company. Credit score in the tank (614 TU, 670EQ) due to 60%+ utilization. Debt to income ratio sucks with loads of students loans, and 2 car loans through Chase. 1 recent missed payment that will be removed soon.
In July we are traveling to Italy for our 1 year. I really wanted to get a CSP before that so when we purchase plane tickets through UR we get the nice discount. Also no foreign transaction fee was a nice idea. I apped last night, and got a pending approval notice with a number to call. ****** So I call this morning and talk to a mildly annoyed CSR. After going back and forth she explains that with my rent, expected loan payments, and two car loans, she doesn't see how I can make ends meet, let alone afford a CSP. I was declined until I could prove I had other income. I asked if adding my wife as a joint account holder would help. She said that I should have included her salary in the app.
So we add her salary to mine, and boom instant approval for $5k CSP.
I'm very happy and wanted to share my success.