Good news: income restriction for applying for a credit card has now eased

[Nongorilla 0]

Since the Credit Act of 2009 went into effect, it was really hard for newcomers who doesn't have a job in the US to start making a credit history.
Under the law, the lender only considered the applicant's individual income (even for a secured or joint credit account.)
Now the restriction was lifted. you can add up your household income to satisfy the income requirement.

http://online.wsj.com/news/articles/SB10001424052702303482504579177741736226518

* Make sure that your lender already adjusted to the new regulation before you apply a new credit card.

[Bugs 455]

Will this make it easier for my future spouse to be added as a joint account holder on my credit card rather than merely an authorized user?

[Nongorilla 0]

Will this make it easier for my future spouse to be added as a joint account holder on my credit card rather than merely an authorized user?

probably not.

the law change is just for lifting the restriction. to adopt household income or not is still up to lenders.

since joint is a mutual responsibility for debts, it may require either of fair credit or personal income to guarantee your credit line.

it's safer to be a joint after he/she built credit with a secured card.