Applying as a Stay at Home Mom

Building Your Personal Credit Card Strategy

If you're a stay at home mom with no earned income of your own, you can still apply for credit cards and get approved.

The CARD Act

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The CARD Act allows credit card issuers to consider income that a stay-at-home applicant, who is 21 or older, shares with a spouse or partner when evaluating the applicant for a new account or increased credit limit.

This means that a stay at home mom can (and should) list total household income on credit card applications.

More on this CARD Act amendment here.

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