Yup. What they said.

I applied for a Bank of America visa card online last week. In the past, I've never seen the income requests broken out between individual and spouse, but this time they seemed to at least be trying.

FWIW my spouse and I each have a decent income, hers is slightly higher right now. We're certainly not wealthy by anyone's definition, but our combined household income does look better than either of ours alone. Duh.

On the B of A online app, I was surprised that when I entered my income (I used our combined household income, as I always do), and even when I left the "other income" field blank, it popped up a field labeled "source of other income" (even though I had not indicated I had any "other income). It wouldn't let me complete the application without filling in that field so I just entered "spouse's salary".

It accepted that, and I got instant approval.

I do live in a community property state, or as my wife says "what's mine is mine, and what's yours is mine too." Works both ways, dear.