Questions and Answers

Have a travel related question? Post it here, and I’ll do my best to answer it as quickly as possible.

While anyone can comment on regular blog post, registration is required in order to post a question in this space. Creating your account is free, and you'll be able to see when your question is answered, as well as like comments from other users. And of course, you'll earn status points for offering helpful answers!

This space is intended to be more of a community as well, so please jump in and share tips!

Filter by:

SAN Airport

2

Qantas auctioning off seats!

Can you help?
0

How do Airlines Rank Passengers

2

Hotels and families

1

Global Entry Renewal – Applicaton -> New Card = 7 Days

1

UA first responder discount?

2

Alitalia shutting down – now what?

3

Digital nomading

1

New Qatar Transit Policy?

1

USA Accept Antigen Test For Re-Entry

1

Ask a Question

Everyone can read and comment, but you must login to post a new comment.

Answers (5)

Credit card for wife – Excellent credit score but low income

Credit card for wife – Excellent credit score but low income

  1. Anonymous

    Hi, I would like to apply a really good hotel credit card for my wife. Probably, either the Starwood Amex or Marriott Premium. She has an excellent credit score (760+) but low income. She works in a retail store part time with minimum 12 hours/week and $12.7/hour.

    So my questions are
    a) What are her odds of getting approved for either Starwood Amex or Marriott Premium?
    b) If the odds are low, Can I become a co-signer for the credit card (my income is $120K+)
    c) If the odds are low, What is the best Amex credit card she could start with (without me co-signing)?

    Thanks,
    Ben

  2. Anirban

    Hi, I would like to apply a really good hotel credit card for my wife. Probably, either the Starwood Amex or Marriott Premium. She has an excellent credit score (760+) but low income. She works in a retail store part time with minimum 12 hours/week and $12.7/hour. So my questions are
    a) What are her odds of getting approved for either Starwood Amex or Marriott Premium?
    b) If the odds are low, Can I become a co-signer for the credit card (my income is $120K+)
    c) If the odds are low, What is the best Amex credit card she could start with (without me co-signing)?
    Regards,
    Anirban

  3. Anonymous

    Hi [USER=2454]@Anirban[/USER], and welcome!

    If you look at the application pages, you’ll notice they don’t ask for individual income in most cases, rather they ask for the [I]household[/I] income. I know many spouses with lower incomes who have been approved for cards based on their combined income — no need to have a co-signer.

    That being said, will this be her first solo credit card? If so, I might start her with a [I]charge card [/I]if it fits with your points plan. The Amex PRG or Platinum are easier to get approved for if she doesn’t have much credit history.

  4. Donna

    Keep in mind the minimum spend requirements on some of these cards is a bit hefty – it would be a shame to get approved but miss the sign up bonus spend threshold. Good luck!

  5. Anirban

    Thank you Tiffany and Gia! this is excellent information..

Sign in to help answer questions.