Originally Posted by
lwildernorva
Yeah, you might not get every card you want if you're straight with the banks on income, but if you're seriously overreaching, you're only going to get one or two really fantastic trips in this game. And this game is not about one or two. . .
Exactly. As far as business cards go, it's much better to tell them you are starting a new business in your own area of expertise and you haven't made any money from it yet. (Could that be true? If someone approached you right now with a lucrative consulting offer, would you turn it down?) Don't make it any more complicated than it needs to be. Your personal regular income guarantees the debt anyway.