I'm just getting my feet wet in the miles/points/credit cards. My husband and I are trying to start small so we were going to get the Citi AA Platinum Personal Mastercard for myself and a few months from now, get one for him. I applied today and received a message about my application needing "further consideration". Could this be because I'm now a stay-at-home mom? For the income section, I put his annual income but is it possible I don't have enough credit? We've shared the same Discover card for the last 9 years and I haven't worked since 2008.