I'm afraid my short career in churning could be over, What do I do?
Aug 8, 2012, 7:34 am
#16
Join Date: Jan 2012
Posts: 757
Sorry to hear this happened, unfortunately it's not new. My wife was denied beginning of the year for the Chase United Explorer card for the same reason. HHI is fine but her staying at home with kids was not. Ironically she got approved for a CSP last August, and an Ink Bold not long after that. So I guess about the new year is when they started being a pain.
Aug 8, 2012, 10:22 am
#18
Join Date: Jul 2012
Posts: 36
Aug 8, 2012, 12:33 pm
#19
Join Date: Feb 2007
Posts: 17
Aug 9, 2012, 11:32 am
#20
Join Date: Aug 2006
Posts: 756
So true, IRS requires you to pay for ANY earnings even if no 1099 is sent to you. Lets say you earn $500, that amt is suppose to be reported ,But its just harder for them to track without the 1099. But I've heard people getting caught by the IRS thru the reverse method. IRS audits the company itself, finds out everyone the company paid in the past year and then check if all those individuals reported the earnings (regardless of whether 1099 was sent or not). Now, they flag and target those that didn't report with a fine tooth comb audit (even if its just $500) with the mindset that if you didn't report this then what else didn't you report).
Last edited by sharka; Aug 9, 2012 at 11:49 am
Aug 9, 2012, 2:40 pm
#21
Join Date: Jul 2007
Location: DFW; Allen, TX
Programs: AA EXP/2MM, SPG Lifetime Platinum, Marriott PLT, National Exec Elite
Posts: 1,083
My wife and I started a small home based business for this very reason. She "makes" less than $5000 a year with it, but it avoids those questions. If you want any advice, PM me.
Aug 12, 2012, 7:42 pm
#22
Join Date: Aug 2012
Posts: 8
say that you work. stop being so honest, haha. you are self-employed and make 60,000 a year. I've only been asked to verify income once on a personal card and that was by citi for the aa cards. I simply ignored them. A few months later I applied again and they approved my cards without asking for verification. I guess its not 100% street legal to stretch the truth about your income and work situation, but if you are as responsible as you say you are, its a white lie that you will love to make 
Aug 12, 2012, 9:11 pm
#23
Join Date: Oct 2009
Posts: 74
say that you work. stop being so honest, haha. you are self-employed and make 60,000 a year. I've only been asked to verify income once on a personal card and that was by citi for the aa cards. I simply ignored them. A few months later I applied again and they approved my cards without asking for verification. I guess its not 100% street legal to stretch the truth about your income and work situation, but if you are as responsible as you say you are, its a white lie that you will love to make
Aug 13, 2012, 8:53 pm
#24
Join Date: Aug 2011
Programs: AA, DL
Posts: 82
Thanks for this helpful thread. We don't live in a community property state, and my wife does make a small income, but she just recently went 1 for 3 on apps. Granted, I think part of the problem was a mistake on my part having her apply for 2 chase cards (Hyatt and Priority Club) but the recon lines didn't like her income when they asked (on the app we used the total household income). I guess I should just chalk it up to a good learning experience and keep in mind for next time.
Sep 24, 2012, 9:52 am
#26
Join Date: Jan 2012
Posts: 267
Help could be on the way
The CRPB will propose a rule change to the legistration this fall that will hopefull end this discrimination. Here is the article:
http://money.cnn.com/2012/09/24/pf/s...ntent=My+Yahoo
Hope fully this will open up the gates for all the stay at hope spouses!
http://money.cnn.com/2012/09/24/pf/s...ntent=My+Yahoo
Hope fully this will open up the gates for all the stay at hope spouses!
