Originally Posted by
jsk1973
From what I've read, 650 is probably a no, while 700 gives her a chance. Has she been approved elsewhere recently?
From what I've read, (and of course it also depends on lots of variables like income and depth of credit history), 650 is right at the minimum for a Plat card. 700 should be fine, at least for a Plat, but maybe on the low side for a higher level card like a Prestige.
I'd definitely apply, since all you risk is a HP. If she gets denied, from what I've read, if you add her as an AU to the cards you use the most for the next 6 months, that should increase her odds of an approval next time.
Remember to use the total combined Household income on the income line of the app. Assuming both of your incomes are available to pay off your combined charges, you add both of your incomes, and you each list that as "your" income when you apply. Federal Law makes that legit.
