My wife completed an "aor" yesterday with instant approval on the Chase United Mileage+, US Airways, and Citi AAdavantage. She is a stay at home mom and as you all know, Club Carlson asks about lone or joint application and she selected "lone" since I didn't want a credit inquiry. In the employment section she selected "unemployed" but listed my income which is much higher then an unemployed person would have. CC application went to pending review status.

She is high 700's, long credit history, and this his her second "aor" with all instant approvals on the first round. All cards paid off each month and first CC application.

Thoughts on her chances of approval with the "unemployed" status and how should she handle this in the future.