She'll just need to reapply in six months since her iome will be back to normal this year with no baby expected. It sounds like regardless of us calling in they were going to review her credit based on income reported. So i guess its best to not apply or report you annual income without adjusting for gross.

Kind of funny.. I recently applied for a chase card for my dad and he just reired with ss income only. Way less than what he made when he was working and he had to call in to move some from one card to another. He still have a lot of credit reative to income but thy did not reduced or talked about reducing credit. A bit inconsistent here. They both have flawless credit and minimal credit line usage. Maybe we just got a tough rep this time. Just becareful.