Originally Posted by worldiswide

This is your taxpayer dollars at work and part of Dodd frank and ability to pay requirements that have been placed on credit card issuers. The ambiguity is because the rules initially stated that household income could not be used so gross got around that but household did not. If the issuers run foul of the law no one gets credit. The issue which began this pointbwa that new additional informationwa offered to the bank and the customer no longer had the ability to pay.